Baycoast Bank (FDIC #90196): Bank Stress & Real-Estate Credit Exposure
Baycoast Bank (FDIC Cert #90196): bank stress 84/100, severe, STABLE over 7 days; parent NARRAGANSETT FINANCIAL CORP.
Baycoast Bank (#90196) lends in 5 counties across 2 states; Baycoast Bank (#90196) reaches 130 ZIP codes: Rhode Island 3 counties, 54 ZIPs; Massachusetts 2 counties, 77 ZIPs.
Baycoast Bank (#90196) largest markets: Providence County, RI (86 branches, 43 ZIPs) (#90196), Norfolk County, MA (41 branches, 41 ZIPs) (#90196), Bristol County, MA (648 branches, 36 ZIPs) (#90196), Newport County, RI (24 branches, 8 ZIPs) (#90196), Bristol County, RI (3 branches, 3 ZIPs) (#90196).
Baycoast Bank (#90196) reports $2.86 billion in total assets; Baycoast Bank (#90196) equity $257.8 million (9.0% of Baycoast Bank (#90196) assets); Baycoast Bank (#90196) domestic deposits $2.46 billion; Baycoast Bank (#90196) net income $7.3 million; Baycoast Bank (#90196) return on assets 0.51%; Baycoast Bank (#90196) return on equity 5.65%; Baycoast Bank (#90196) net interest income $44.8 million; Baycoast Bank (#90196) call report June 30, 2026.
Baycoast Bank (#90196) noncurrent real-estate loans: none reported; Baycoast Bank (#90196) net charge-offs on real estate 1.60%; Baycoast Bank (#90196) multifamily charge-offs 0.14%; Baycoast Bank (#90196) residential charge-offs 3.40%.
Baycoast Bank (#90196) net interest margin 3.41% against an eight-quarter Baycoast Bank (#90196) average of 2.99% (Baycoast Bank (#90196) compression -0.42 points); Baycoast Bank (#90196) non-residential real estate 339.5% of equity; Baycoast Bank (#90196) rate-exposure score 40/100, Baycoast Bank (#90196) fixed-rate trap 40/100; Baycoast Bank (#90196) risk type credit driven; Baycoast Bank (#90196) rate regime rates elevated, Baycoast Bank (#90196) snapshot October 19, 2026.
Baycoast Bank (#90196) stress score moved from 85.3 on June 22, 2026 to 83.8 on October 19, 2026; Baycoast Bank (#90196) ranged 83.8 to 85.3 over 116 snapshots.
Baycoast Bank (#90196) alerts: 5 counties; top Baycoast Bank (#90196) alert scores: Bristol County, MA 48 (moderate); Foxboro County, MA 27 (low); Providence County, MA 27 (low); Tiverton County, MA 27 (low); Westport County, MA 27 (low).