BlastPoint's Banking Scorecard
BayCoast Bank
Community
Specialty: Commercial
MA
FDIC cert 90196
Swansea, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
BayCoast Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3% in Community
- - Efficiency Drag: Bottom 30% in Community
- - Return on Assets 0.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-2.5% YoY
-0.6% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.3B
-3.6% YoY
-0.6% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.4B
+4.0% YoY
-1.0% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.40%
+4.7% YoY
+1.0% QoQ
|
-0.76% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.11%
+16.0% YoY
+2.9% QoQ
|
-0.56% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
83.67%
+1.5% YoY
-0.2% QoQ
|
+21.04% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.22%
+423.0% YoY
+326.6% QoQ
|
+0.59% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
92.42%
-7.3% YoY
+0.4% QoQ
|
+9.36% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
16.41%
+0.3% YoY
-3.1% QoQ
|
-4.63% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.96%
+417.1% YoY
+326.5% QoQ
|
+0.47% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
10.59%
-0.3% YoY
-0.7% QoQ
|
+0.34% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
1.85%
+10.2% YoY
+29.7% QoQ
|
+1.11% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#139 of 371 · Top 37% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.85%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.40%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (3)
Liquidity Strain
risk
#16 of 513 · Bottom 3% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.42%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#47 of 152 · Bottom 30% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.67%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.85% · Tier avg: 0.74%
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
33
33th pctile
Tier 1 Capital Ratio
Current: 10.59% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.41% · Tier avg: 21.05%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.42% · Tier avg: 83.06%
21
21th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.66%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.63%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 83.67% · Tier avg: 62.63%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 83.67% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
21
21th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
21
21th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.66%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.42% · Tier avg: 83.06%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.41% · Tier avg: 21.05%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.59% · Tier avg: 10.24%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
95
95th pctile
Non-Interest Income / Assets
Current: 1.85% · Tier avg: 0.74%