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BayCoast Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

BayCoast Bank's top rates as of October 12, 2026 are 3.55% APY on its 15-Month Statement CD Special, 0.10% APY on savings, 0.20% APY on money market accounts, 0.15% APY on checking, and personal loans from 14.24% APR, according to rates verified by MonitorBankRates. Other BayCoast Bank CD rates include 15-Month Statement IRA CD Special at 3.55%, 4 - 5 Year IRA Certificate of Deposit (CD) at 0.70%, and 4-5 years 4 - 5 Year Statement at 0.70%. MonitorBankRates evaluates the financial stability of BayCoast Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.75%. Rates last updated and verified on 10/12/2026.

BayCoast Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BayCoast Bank? Share your experience about BayCoast Bank by leaving a review below, or read customer reviews before you decide to use BayCoast Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
12.75%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
BayCoast Bank
330 Swansea Mall Dr
Swansea, MA 02777
https://www.baycoast.bank
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

BayCoast Bank CD Rates

Product Rate APY Term View More
15 Month Statement CD Special 3.49% 3.55% 15 Month
Min Deposit $500
Min Balance $10
Details 15 Month Statement CD Special*
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20%
2.70%3.38%4.05%Sep 20, 2026: 3.20% APYSep 24, 2026: 3.55% APYSep 20, 2026Oct 13, 2026
  • Sep 24, 20263.55%▲ from 3.20%
  • Sep 20, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
15 Month Statement IRA CD Special 3.49% 3.55% 15 Month
Min Deposit $500
Min Balance $10
Details Special*
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 28, 2026: 3.55% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
4 - 5 Year IRA Certificate of Deposit (CD) 0.70% 0.70% 4 - 5 Year
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 8, 2026: 0.70% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
4 - 5 Year Statement 0.70% 0.70% 4-5 years
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 8, 2026: 0.70% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
3 - Less than 4 Year Statement 0.50% 0.50% 3 - Less than 4 Year
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
3 - Less than 4 Year IRA Certificate of Deposit (CD) 0.50% 0.50% 3 - Less than 4 Year
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
24 - 35 Month IRA Certificate of Deposit (CD) 0.40% 0.40% 24-35 Month
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
24-35 Month Statement 0.40% 0.40% 24-35 months
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
12 - 23 Month IRA Certificate of Deposit (CD) 0.35% 0.35% 12-23 Month
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
12-23 Month Statement 0.35% 0.35% 12-23 months
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
6 Month IRA Certificate of Deposit (CD) 0.20% 0.20% 6 Months
Min Deposit $500
Min Balance $10
Details Term: 6 Months - Less than 1 Year
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
6 month - Less than 1 Year Statement 0.20% 0.20% 6 Months
Min Deposit $500
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Savings Rates

Product Rate APY View More
IRA Statement Savings 0.10% 0.10%
Min Deposit $10
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Savings Club 0.10% 0.10%
Min Deposit $5
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Statement Savings 0.10% 0.10%
Min Deposit $10
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Money Market Rates

Product Rate APY View More
Consumer Money Market 0.20% 0.20%
Min Balance $100,000
Details Balance: $100,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Consumer Money Market 0.20% 0.20%
Min Balance $250,000
Details Balance: $250,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Consumer Money Market 0.15% 0.15%
Min Balance $50,000
Details Balance: $50,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Consumer Money Market 0.10% 0.10%
Min Balance $1,000
Details Balance: $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Consumer Money Market 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Business Money Market Rates

Product Rate APY View More
Business Money Market Access 0.20% 0.20%
Min Balance $100,000
Details Balance: $100,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Business Money Market Access 0.20% 0.20%
Min Balance $250,000
Details Balance: $250,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Business Money Market Access 0.15% 0.15%
Min Balance $50,000
Details Balance: $50,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Business Money Market Access 0.10% 0.10%
Min Balance $1,000
Details Balance: $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Business Money Market Access 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Checking Rates

Product Rate APY View More
Active Checking - 0.15%
Min Deposit $500
Min Balance $0
Details Qualifications Required: Receive at least one posted direct deposit, make at least one posted electronic payment or make at least one posted online bill payment; make 12 posted debit card purchases; receive statement electronically using online banking.; 0.15% APY is paid on balances between $0.01 and $25,000 and a range from 0.15% APY to 0.10% APY is paid on all amounts above $25,000 each qualification period that the minimum qualifications are met. If the minimum qualifications are not met during the qualification period, 0.05% APY will be paid on the entire balance. ATM surcharge refunds up to $25.00 per qualification period if qualifications are met. Fees may reduce earnings. Available for personal accounts only.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Active Checking Qualified Rate 0.15% 0.15%
Min Deposit $500
Min Balance $0
Details Balance: $0.01 - Portion in Excess of $25,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Active Checking 0.10% 0.10%
Min Deposit $500
Min Balance $25,000
Details Balance: Portion in Excess of $25,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Preferred Checking 0.10% 0.10%
Min Deposit $10
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Active Checking Base Rate 0.05% 0.05%
Min Deposit $500
Min Balance $0
Details Balance: $0.01 - Portion in Excess of $25,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - New Only 7.25% - 7.25% 36 months
Details Down Payment: 5%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.25% APR · checked 2 times
6.75%7.25%7.75%Oct 8, 2026: 7.25% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Auto Loans - New Only 7.50% - 7.50% 48 months
Details Down Payment: 5%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Auto Loans - Used Only 7.50% - 7.50% 36 months
Details Down Payment: 10%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Auto Loans - New Only 7.75% - 7.75% 60 months
Details Down Payment: 5%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 8, 2026: 7.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Auto Loans - Used Only 7.75% - 7.75% 48 months
Details Down Payment: 10%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 8, 2026: 7.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Auto Loans - New Only 8.00% - 8.00% 72 months
Details Down Payment: 5%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Oct 8, 2026: 8.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Auto Loans - Used Only 8.00% - 8.00% 60 months
Details Down Payment: 10%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Oct 8, 2026: 8.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loans 9.00% 9.00% 60 months
Details Boat Loans - 25% Down Payment
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.00% APR · checked 8 times
8.50%9.00%9.50%Sep 16, 2026: 9.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Boat Loans 10.00% 10.00% 180 months
Details Boat Loans - 25% Down Payment
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 16, 2026: 10.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Personal Loan Rates

Product APR Term View More
Personal Loan 14.24% 36 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 14.24% APR · checked 8 times
13.74%14.24%14.74%Sep 16, 2026: 14.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%

BayCoast Bank Other Rates

Product Rate Points APY/APR Term View More
Energy Smart Home Improvement Loan 9.25% - 9.25% 120 months
Details Down Payment: 0%
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.25% APR · checked 8 times
8.75%9.25%9.75%Sep 16, 2026: 9.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Home Improvement Loan 9.50% - 9.50% 84 months
Details Down Payment: 0%
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.50% APR · checked 8 times
9.00%9.50%10.00%Sep 16, 2026: 9.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.75%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

BayCoast Bank’s Texas Ratio rose from 1.32% in Q3 2023 to 12.75% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.6% 2.0★ 9.1% 3.0★ 13.7% 4.0★ 18.3% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.32% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A Q4 2025 A Q1 2026 12.75% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.9B12.75%5.0A
March 31, 2026$2.9B13.52%5.0A
December 31, 2025$2.8B10.60%5.0A
September 30, 2025$2.9B2.55%5.0A+
June 30, 2025$3.0B2.58%5.0A+
March 31, 2025$3.0B2.36%5.0A+
December 31, 2024$2.9B2.16%5.0A+
September 30, 2024$3.0B1.55%5.0A+
June 30, 2024$3.0B1.94%5.0A+
March 31, 2024$2.9B1.71%5.0A+
December 31, 2023$2.9B1.74%5.0A+
September 30, 2023$2.9B1.32%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BayCoast Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BayCoast Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BayCoast Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name BayCoast Bank
Bank Holding Company NARRAGANSETT FINANCIAL CORP
Address 330 Swansea Mall Dr, Swansea, MA 02777  ·  Bristol
Website https://www.baycoast.bank
FDIC Certificate # 90196
Established 18511115
FDIC Insurance Date 19850618
Domestic Offices 25
Total Branches 26
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 94/100
5.0
Exceptional Out of 5.0 Stars
12.75%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5090%
Return on Equity (ROE) 5.6500%
Non-Performing Loans (NPL) 1.15%
Total Assets $2,863,572,000
Total Deposits $2,464,346,000
Equity Capital $257,794,000
Net Income $7,293,000
Headquarters Swansea
Total Branches and Offices 25
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

BayCoast Bank earned the Verified Healthy badge

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Frequently Asked Questions About BayCoast Bank

How many branches does BayCoast Bank operate?

BayCoast Bank currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BayCoast Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BayCoast Bank provides members with tools to manage their accounts and build a solid financial history.

Does BayCoast Bank offer online and mobile banking?

Most modern institutions like BayCoast Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.baycoast.bank.

Current BayCoast Bank Rates

  • 24-Month CD0.35%
  • 36-Month CD0.40%
  • 48-Month CD0.50%
  • 60-Month CD0.70%
  • Savings0.10%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.

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