BayCoast Bank

Overview / Commentary

www.baycoastbank.com

508-675-4430

330 Swansea Mall Drive
Swansea, MA 02777

BayCoast Bank is headquartered in Swansea and is the 23^rd largest bank in the state of Massachusetts. It is also the 483^rd largest bank in the nation. It was established in 1851 and as of December of 2019, it had grown to 436 employees at 22 locations. BayCoast Bank has an A health rating.

View all posts from:

2009

8/16 - High-Yield Reward Checking Account at Citizens Union Savings Bank in MA & RI - Local Only
6/28 - 3.82% 5-Year CD at Bank of Fall River in Massachusetts - Local Only

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	90196
Year Established	1851
Employees	436
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	8.61%
Annual Interest Income	$71.7MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$1.78B$1.68B
Loans	Q4 2019vs Q4 2018	$1.46B$1.35B
Deposits	Q4 2019vs Q4 2018	$1.42B$1.31B
Equity Capital	Q4 2019vs Q4 2018	$166.5MM$155.7MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$11.2MM$9.3MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$4.5MM$4.8MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$461.00K

Rates

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Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BayCoast Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Passbook Savings
0.10%	$10	-	Statement Savings
0.10%	$10	-	Holiday Club Savings

BayCoast Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$250k^*	-	Business Money Market Access
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $250k
0.30%^*	$250k^*	-	Consumer Money Market
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k \| 0.25% → $100k - $250k

BayCoast Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$25k	Active Checking
OTHER TIERS: 0.25% → $25k+
0.10%	$500	-	Preferred Checking

BayCoast Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%	$500	-	4 - 5 Year Statement CD
1.20%	$500	-	24 Month Bump Up Statement CD Special
1.05%	$500	-	7 Month Statement CD Special
1.05%	$500	-	3 - 4 Year Statement CD
0.80%	$500	-	24 -35 Month Statement CD
0.70%	$500	-	12 - 23 Month Statement CD
0.45%	$500	-	6 Month - Less than 1 Year Statement CD
0.35%	$500	-	30 - 181 Day Statement CD

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