Bank · FDIC insured
BayCoast Bank
A $2.9B bank headquartered in Swansea, MA, with 26 branches in 2 states. Best rates: CDs 3.55% and savings 0.10% APY.
BayCoast Bank Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#42 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BayCoast Bank
Chartered in 1851 as The Savings Bank in Tiverton, Rhode Island, BayCoast Bank relocated its home to Fall River in 1862 following a state boundary shift.
Headquartered in Swansea, Massachusetts since 2011, the community bank serves people and businesses across the South Coast of Massachusetts and Rhode Island.
- Headquarters
- 330 Swansea Mall Dr, Swansea, MA 02777
- FDIC certificate
- 90196 ↗
Branches
26 branches in 2 states
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Massachusetts
19 branches
Providence area · 18
- BayCoast BankMain office330 Swansea Mall Dr, Swansea, MA 02777Directions
- Berkley Branch2 Locust St, Berkley, MA 02779Directions
- Dartmouth Branch299 State Rd, Dartmouth, MA 02747Directions
- Dartmouth Street Branch714 Dartmouth St, Dartmouth, MA 02748Directions
- Fairhaven Branch75 Alden Rd, Fairhaven, MA 02719Directions
- Airport Road Express Branch310 Airport Rd, Fall River, MA 02720Directions
- Davol Street Branch20 Turner St, Fall River, MA 02720Directions
- Pleasant Street Branch1485 Pleasant St, Fall River, MA 02723Directions
- Robeson Street Branch490 Robeson St, Fall River, MA 02720Directions
- Stafford Road Branch335 Stafford Rd, Fall River, MA 02721Directions
- Troy Street Branch81 Troy St, Fall River, MA 02720Directions
- Ashley Boulevard Branch1000 Ashley Blvd, New Bedford, MA 02745Directions
- New Bedford Branch23 Elm St, New Bedford, MA 02740Directions
- North Dighton Branch438 Spring St, North Dighton, MA 02764Directions
- Seekonk Branch110 Taunton Ave, Seekonk, MA 02771Directions
- Somerset Branch921 Grand Army Hwy, Somerset, MA 02726Directions
- Swansea Branch554 Wilbur Ave, Swansea, MA 02777Directions
- Westport Branch787 Main Rd, Westport, MA 02790Directions
Boston area · 1
- Foxborough Branch8 Foxborough Blvd, Foxborough, MA 02035Directions
Rhode Island
7 branches
- Bristol Branch601 Hope St, Bristol, RI 02809Directions
- Cranston Branch85 Sockanosset Cross Rd, Cranston, RI 02920Directions
- Little Compton Branch2 Meeting House Ln, Little Compton, RI 02837Directions
- Newport Branch137 Broadway, Newport, RI 02840Directions
- Portsmouth Branch1430 E Main Rd, Portsmouth, RI 02871Directions
- Providence Branch78 Dorrance St, Providence, RI 02903Directions
- Tiverton Ri Branch1 Crandall Rd, Tiverton, RI 02878Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.29% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.45% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.51% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalLeverage ratio8.29%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.45%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.51%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BayCoast Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.