Baycoast Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Baycoast Bank (FDIC Cert #90196) registers 84/100 on DLRadar's scale — a severe reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Read against its 5-county reach, a severe score sets the credit tone for every market on its map. Because Baycoast Bank is held under Narragansett Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Baycoast Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. No bank is too small to score the same way: Baycoast Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 130-ZIP profile means exactly what it would for any institution nationwide. DLRadar does not model Baycoast Bank in isolation: the 130-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Baycoast Bank finances markets like Providence County, RI, Norfolk County, MA, Bristol County, MA, Newport County, RI — the specific places where its credit posture translates into local lending capacity. Baycoast Bank runs a compact, regionally concentrated real-estate lending footprint — 5 U.S. counties across 2 states, spanning 130 ZIP codes. The deepest footprints are Rhode Island (3 counties), Massachusetts (2 counties).

The acquisition angle is simple — lending capacity is what moves deals. As Baycoast Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.