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 26^th largest bank in the state of Massachusetts. It is also the 475^th largest bank in the nation. It was established in 1851 and as of December of 2020, it had grown to 496 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 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	90196
Year Established	1851
Employees	496
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	12.97%
Annual Interest Income	$73.1MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$2.12B$1.78B
Loans	Q4 2020vs Q4 2019	$1.66B$1.46B
Deposits	Q4 2020vs Q4 2019	$1.75B$1.42B
Equity Capital	Q4 2020vs Q4 2019	$173.7MM$166.5MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$17.6MM$11.2MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$4.3MM$4.5MM
Real Estate Owned	Q4 2020vs Q4 2019	$0$0

Rates

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Money Market
Checking
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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%	$10	-	Statement Savings
0.10%	$10	-	Holiday Club Savings
0.05%	$100	-	Passbook Savings

BayCoast Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$100k^*	-	Business Money Market Access
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.15%^*	$100k^*	-	Consumer Money Market
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k

BayCoast Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	-	$25k	Active Checking
OTHER TIERS: 0.10% → $25k+
0.10%	$500	-	Preferred Checking

BayCoast Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$500	-	4 - 5 Year Statement CD
0.50%	$500	-	3 - 4 Year Statement CD
0.40%	$500	-	24 -35 Month Statement CD
0.35%	$500	-	18 Month Statement CD Special
0.20%	$500	-	12 - 23 Month Statement CD
0.20%	$500	-	10 Month Statement CD Special
0.15%	$500	-	30 - 181 Day Statement CD
0.15%	$500	-	6 Month - Less than 1 Year Statement CD

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