Vitals
  • Total Assets
    1.3B 12.6 %
  • Total Deposits
    991.9M 7.0 %
  • Total Net Loans
    956.4M 6.3 %
  • Net Income
    5.3M 117.2 %
  • Book Value
    118.4M 30.2 %
  • Book Value x2
    236.7M 30.2 %
  • Book Value x3
    355.1M 30.2 %
ROAA

.445

ROAE

5.116

Efficiency Ratio

87.154

Net Interest Margin

3.327

Balance Sheet Highlights
Financial Highlights Baycoast Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,261,279 761,274
Total Net Loans 956,369 592,852
Total Deposits 991,892 596,855
Total Equity 118,462 82,059
Profitability
Net Income 5,253 4,648
Return on Average Assets .445 .538
Return on Average Equity 5.116 4.944
Net Interest Margin 3.327 3.143
Efficiency Ratio 87.154 77.098
Noninterest Income/Revenue 30.633 14.538
Balance Sheet Ratios
Loan-to-Deposit 96.419 95.714
Securities/Assets .161 .124
Total Equity/Total Assets .094 .108
Tangible Equity/Tangible Assets .088 .106
Capital Adequacy
Tier 1 Common Capital 115,668 80,540
Tier 1 Capital 115,668 80,580
Tier 2 Capital 9,496 5,839
Total Capital 125,164 86,408
Total Risk Weighted Assets 991,679 559,688
Leverage Ratio 9.4 10.827
Common Equity Tier 1 Capital Ratio 11.66 15.478
Tier 1 Capital Ratio 11.66 15.53
Total Capital Ratio 12.62 16.563

Timeline for Baycoast Bank

Nfc Mortgage Company, Llc

Nfc Mortgage Company, Llc became a new subsidiary organization for Baycoast Bank.

View Profile Aug 30 2013

Plimoth Trust Company. Llc

Plimoth Trust Company. Llc became a new subsidiary organization for Baycoast Bank.

View Profile Sep 27 2011

Bank Of Fall River, A Co-Operative Bank

Acquisition: Baycoast Bank acquired a new subsidiary, Bank Of Fall River, A Co-Operative Bank, 13 years

View Profile Jan 01 2011

B.F.R. Corp

B.F.R. Corp became a new subsidiary organization for Baycoast Bank.

View Profile Jan 01 2011

Troy Security Corporation

Troy Security Corporation became a new subsidiary organization for Baycoast Bank.

View Profile Nov 01 2002

Want to see more?

Complete timeline for Baycoast Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of Fall River, A Co-Operative Bank Seller 163,908 Acquisition Discontinued 1/1/2011
Citizens-Union Savings Bank Seller Discontinued 10/29/1983
Relationships Role Relationship Start Relationship End
Narragansett Financial Corp Parent 2/24/1998
1851 Corporation Subsidary 6/30/2007
Baycoast Financial Services, Llc Subsidary 5/9/2000
Troy Security Corporation Subsidary 6/30/2007
Plimoth Trust Company. Llc Subsidary 9/27/2011
B.F.R. Corp Subsidary 1/1/2011
Nfc Mortgage Company, Llc Subsidary 8/30/2013
1851 Corporation Subsidary 2/24/1998 6/29/2007
Troy Security Corporation Subsidary 11/1/2002 6/29/2007
Wilbur Security Corporation Subsidary 11/1/2002 10/18/2005
Narragansett Real Estate Corporation Subsidary 11/28/2000 12/8/2003
Citizens-Union Loan Center, Inc. Subsidary 9/10/1998 12/31/2001
25 Bedford Corporation Subsidary 2/24/1998 8/31/2001
570 Robeson Investment Corp. Subsidary 2/24/1998 10/31/2000
335 Stafford Investment Corp. Subsidary 2/24/1998 10/31/2000
Narragansett Financial Services, Inc. Subsidary 4/24/1998 6/26/2000
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