Baycoast Bank Mortgage Rates, Fees & Info

FALL RIVER, MA

LEI: 549300OTLWFQPOOSC346

Tax ID: 04-1178460

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Mortgage Data

Bank Data

Review & Overview

Baycoast Bank is a smaller bank specializing in Home Purchase loans. Baycoast Bank has a high proportion of conventional loans. Their top markets by origination volume include: Providence, Boston, New York, Springfield, and Atlantic City among others. We have data for 51 markets. (Some data included below & more in-depth data is available with an active subscription.)

Baycoast Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Baycoast Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 4.29% 12/16/24
30 Year Conventional Purchase 6.27% 12/16/24
30 Year Conventional Refi 6.27% 12/16/24
30 Year Cash-out Refi 6.27% 12/16/24
15 Year Conventional Purchase 7.79% 12/16/24
15 Year Conventional Refi 7.12% 12/16/24
15 Year Cash-out Refi 7.12% 12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Baycoast Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Baycoast Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

441

Origination Dollar Volume (All Markets)

$66,985,000

Employee count

436

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 181 $47,755,000 $263,840 $461 5.27%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 93 $9,425,000 $101,344 $0 6.02%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 23 $1,415,000 $61,522 $0 6.34%
SPRINGFIELD, MA (FHA|USDA|VA) 16 $840,000 $52,500 $0 6.53%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 11 $825,000 $75,000 $0 6.13%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 7 $525,000 $75,000 $0 6.43%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 8 $460,000 $57,500 $0 6.39%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $455,000 $65,000 $0 6.66%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $400,000 $66,667 $0 6.65%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $325,000 $65,000 $0 6.43%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $320,000 $80,000 $0 6.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $280,000 $140,000 $0 6.13%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $275,000 $91,667 $0 5.50%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $245,000 $49,000 $0 6.78%
Holland, MI (FHA|USDA|VA) 3 $235,000 $78,333 $0 5.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $230,000 $38,333 $0 6.42%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $230,000 $115,000 $0 6.56%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $225,000 $45,000 $0 6.63%
Concord, NH (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.38%
PITTSFIELD, MA (FHA|USDA|VA) 5 $165,000 $33,000 $0 6.65%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $165,000 $33,000 $0 6.95%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $155,000 $51,667 $0 7.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.25%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.50%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.81%
TUCSON, AZ (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.06%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $95,000 $31,667 $0 6.58%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.50%
READING, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.25%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $85,000 $28,333 $0 6.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.00%
UTICA-ROME, NY (FHA|USDA|VA) 2 $70,000 $35,000 $0 7.13%
DOVER, DE (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.38%
Laconia, NH (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.88%
Corning, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
Lebanon, NH-VT (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.50%
Outside of Metro Areas 1 $55,000 $55,000 $0 5.75%
ROCHESTER, NY (FHA|USDA|VA) 2 $50,000 $25,000 $0 7.19%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.38%
Torrington, CT (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.00%
NILES, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.75%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
ITHACA, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.88%
Bennington, VT (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.50%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.75%
MIDLAND, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.25%
KINGSTON, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.50%
Baycoast Bank's top markets include Providence, Boston, New York, Springfield, and Atlantic City among others.

Their top states include:
  • Massachusetts (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against BayCoast Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 441 $66,985,000 $151,893 $414 5.87%

    For 2019, Baycoast Bank's most frequently originated type of loan was Conventional, with 441 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 307 $42,795,000 $139,397 $2,160 6.14%
    Cash Out Refi 41 $4,655,000 $113,537 $827 5.55%
    Home Improvement 38 $5,660,000 $148,947 $32 5.12%
    Other 32 $1,790,000 $55,938 $78 5.00%
    Refi 23 $12,085,000 $525,435 $493 5.33%

    For 2019, Baycoast Bank's most frequently cited loan purpose was Home Purchase, with 307 originations. The 2nd most popular reason was Cash Out Refi, with 41 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 161 $12,765,000 $79,286 $0 6.27%
    15 Year 116 $6,770,000 $58,362 $91 6.05%
    Other 101 $30,885,000 $305,792 $0 5.69%
    10 Year 31 $1,535,000 $49,516 $50 4.93%
    5 Year 15 $345,000 $23,000 $0 4.32%
    30 Year 11 $11,365,000 $1,033,182 $4,394 4.82%
    1 Year 5 $2,865,000 $573,000 $0 5.38%
    30+ year 1 $455,000 $455,000 $4,779 5.13%

    For 2019, Baycoast Bank's most frequently cited loan duration was 20 Year, with 161 originations. The 2nd most popular length was 15 Year, with 116 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 84 $6,110,000 $72,738
    $1k-2k 2 $530,000 $265,000
    $4k-5k 1 $1,655,000 $1,655,000

    Baycoast Bank's average total fees were $4,394, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 84 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 166 $32,360,000 $194,940
    6-7% 158 $11,770,000 $74,494
    4-5% 83 $13,635,000 $164,277
    7-8% 31 $1,065,000 $34,355
    3-4% 3 $8,155,000 $2,718,333

    During 2019, Baycoast Bank's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 5-6%, with 166 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 315 $16,395,000 $52,048 $107 6.03%
    $100k-200k 56 $7,470,000 $133,393 $622 5.78%
    $200k-400k 40 $11,200,000 $280,000 $946 5.36%
    $400k-600k 19 $9,315,000 $490,263 $4,096 5.15%
    $1MM+ 6 $19,080,000 $3,180,000 $10,792 5.00%
    $600k-1MM 5 $3,525,000 $705,000 $0 5.05%

    2019 saw Baycoast Bank place emphasis on $100,000 or less loans with 315 originations, totaling $16,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 135 $7,405,000 $54,852 $33 6.12%
    $50k-75k 113 $7,965,000 $70,487 $408 6.06%
    $75k-100k 55 $6,125,000 $111,364 $947 6.05%
    $100k-150k 47 $5,035,000 $107,128 $311 5.69%
    $150k-250k 21 $2,055,000 $97,857 $285 5.28%
    $250k+ 6 $1,440,000 $240,000 $1,707 5.13%

    Baycoast Bank lent most frequently to those with incomes in the $50k or less range, with 135 originations. The second most popular income band? $50k-75k, with 113 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 79 $5,095,000 $64,494 $27 6.03%
    20-30% 73 $4,325,000 $59,247 $315 6.03%
    40% 26 $1,910,000 $73,462 $567 6.16%
    39% 21 $2,315,000 $110,238 $138 6.26%
    41% 21 $1,265,000 $60,238 $0 6.21%
    42% 20 $1,010,000 $50,500 $0 6.26%
    38% 19 $1,495,000 $78,684 $283 6.20%
    43% 17 $975,000 $57,353 $0 5.96%
    36% 17 $935,000 $55,000 $0 5.67%
    44% 16 $970,000 $60,625 $0 6.34%
    <20% 14 $1,330,000 $95,000 $569 5.45%
    37% 14 $1,050,000 $75,000 $1,195 6.04%
    50-60% 10 $710,000 $71,000 $988 5.08%
    45% 9 $535,000 $59,444 $0 5.35%
    >60% 6 $2,130,000 $355,000 $2,797 5.79%
    46% 2 $210,000 $105,000 $0 5.94%
    49% 2 $110,000 $55,000 $0 5.06%
    48% 1 $185,000 $185,000 $0 5.38%
    47% 1 $65,000 $65,000 $0 5.75%

    Baycoast Bank lent most frequently to those with DTI ratios of 30-36%, with 79 originations. The next most common DTI ratio? 20-30%, with 73 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 345 $39,945,000 $115,783 $488 5.93%
    Not applicable 40 $23,160,000 $579,000 $0 5.27%
    Not provided 38 $2,230,000 $58,684 $71 5.89%
    Black 7 $515,000 $73,571 $0 6.54%
    Vietnamese 1 $355,000 $355,000 $0 5.68%
    Asian 4 $270,000 $67,500 $0 6.22%
    Asian Indian 1 $195,000 $195,000 $0 5.15%
    American Indian 3 $185,000 $61,667 $0 6.17%
    Native Hawaiian or Islander 2 $130,000 $65,000 $0 5.49%

    Approval Rates

    Total approvals of all applications
    91.07%

    Baycoast Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.02%

    Baycoast Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1018.25 1 $45,000 $45,000
    564.5 1 $25,000 $25,000
    576.5 5 $315,000 $63,000
    577.5 2 $130,000 $65,000
    581.25 9 $485,000 $53,889
    581.75 6 $330,000 $55,000
    664.5 1 $85,000 $85,000
    669.25 5 $375,000 $75,000
    671.5 1 $35,000 $35,000
    676.5 5 $355,000 $71,000
    681.25 9 $345,000 $38,333
    685.5 1 $25,000 $25,000
    691.5 1 $25,000 $25,000
    71.0 2 $140,000 $70,000
    736.5 1 $65,000 $65,000
    764.5 2 $140,000 $70,000
    801.5 12 $1,240,000 $103,333
    802.5 4 $360,000 $90,000
    806.25 37 $2,755,000 $74,459
    806.75 8 $530,000 $66,250
    816.5 1 $55,000 $55,000
    817.5 1 $65,000 $65,000
    830.75 1 $95,000 $95,000
    831.5 1 $95,000 $95,000
    834.5 3 $215,000 $71,667
    836.25 1 $55,000 $55,000
    836.5 1 $45,000 $45,000
    846.5 1 $45,000 $45,000
    849.5 1 $25,000 $25,000
    862.75 1 $35,000 $35,000
    865.0 1 $105,000 $105,000
    866.25 1 $35,000 $35,000
    875.0 1 $95,000 $95,000
    877.5 1 $65,000 $65,000
    889.5 7 $405,000 $57,857
    890.5 1 $95,000 $95,000
    894.25 27 $1,235,000 $45,741
    894.75 6 $410,000 $68,333
    901.5 12 $780,000 $65,000
    906.25 34 $1,820,000 $53,529
    906.5 1 $55,000 $55,000
    921.25 2 $140,000 $70,000
    922.5 2 $260,000 $130,000
    924.25 1 $25,000 $25,000
    924.5 1 $65,000 $65,000
    924.75 1 $135,000 $135,000
    925.0 1 $75,000 $75,000
    934.5 2 $100,000 $50,000
    946.5 1 $35,000 $35,000
    966.25 1 $25,000 $25,000
    989.5 9 $515,000 $57,222
    994.25 28 $1,840,000 $65,714
    NA 175 $50,135,000 $286,486

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 41 $26,835,000 $654,512
    Single Family (1-4 Units):Manufactured 266 $16,850,000 $63,346
    Single Family (1-4 Units):Site-Built 134 $23,300,000 $173,881

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 35 $5,035,000 $143,857 $267 5.21%
    40-60% 60 $7,850,000 $130,833 $0 5.46%
    60-80% 152 $36,630,000 $240,987 $3,099 5.81%
    80-100% 128 $14,910,000 $116,484 $0 6.78%
    Under 20% 66 $2,560,000 $38,788 $65 4.99%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    BayCoast Bank 1 Crandall Road Tiverton, RI 2878 Full Service B&M $63,419
    BayCoast Bank 1000 Ashley Boulevard New Bedford, MA 2745 Full Service B&M $90,852
    BayCoast Bank 110 Taunton Avenue Seekonk, MA 2771 Full Service B&M $59,089
    BayCoast Bank 1485 Pleasant Street Fall River, MA 2722 Full Service B&M $31,503
    BayCoast Bank 2 Locust Street Berkley, MA 2779 Full Service B&M $2,194
    BayCoast Bank 2 Meeting House Lane Little Compton, RI 2837 Full Service B&M $11,663
    BayCoast Bank 23 Elm Street New Bedford, MA 2740 Full Service B&M $93,280
    BayCoast Bank 299 State Road Dartmouth, MA 2747 Full Service B&M $43,643
    BayCoast Bank 310 Airport Road Fall River, MA 2721 Full Service B&M $27,569
    BayCoast Bank 330 Swansea Drive Swansea, MA 2777 Full Service B&M $0
    BayCoast Bank 330 Swansea Mall Drive Swansea, MA 2777 Full Service B&M $355,056
    BayCoast Bank 335 Stafford Road Fall River, MA 2721 Full Service B&M $74,937
    BayCoast Bank 438 Spring Street North Dighton, MA 2764 Full Service B&M $61,493
    BayCoast Bank 490 Robeson Street Fall River, MA 2720 Full Service B&M $110,783
    BayCoast Bank 554 Wilbur Avenue Swansea, MA 2777 Full Service B&M $64,088
    BayCoast Bank 714 Dartmouth Street Dartmouth, MA 2747 Full Service B&M $37,869
    BayCoast Bank 75 Alden Road Fairhaven, MA 2719 Full Service B&M $43,869
    BayCoast Bank 787 Main Road Westport, MA 2790 Full Service B&M $94,239
    BayCoast Bank 81 Troy Street Fall River, MA 2721 Full Service B&M $81,963
    BayCoast Bank 85 Sockanosset Cross Road Cranston, RI 2920 Full Service B&M $3,333
    BayCoast Bank Route 6 And Brayton Point Road Somerset, MA 2725 Full Service B&M $82,556

    For 2019, Baycoast Bank had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $71,713
    Net interest income $53,122
    Total noninterest income $34,258
    Gross Fiduciary activities income $4,754
    Service charges on deposit accounts $2,426
    Trading account gains and fees $0
    Additional Noninterest Income $27,078
    Pre-tax net operating income $9,196
    Securities gains (or losses, -) $9,404
    Income before extraordinary items $14,035
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,035
    Minority interest net income $105
    Net income $13,930
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,605

    Baycoast Bank's gross interest income from loans was $71,713,000.
    Baycoast Bank's net interest income from loans was $53,122,000.
    Baycoast Bank's fee based income from loans was $2,426,000.
    Baycoast Bank's net income from loans was $13,930,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $18,591
    Provision for credit losses $3,493
    Total noninterest expense $74,691
    Salaries and employee benefits $46,348
    Premises and equipment expense $10,136
    Additional noninterest expense $18,207
    Applicable income taxes $4,565
    Net charge-offs $1,567
    Cash dividends $3,100

    Baycoast Bank's interest expense for loans was $18,591,000.
    Baycoast Bank's payroll and benefits expense were $46,348,000.
    Baycoast Bank's property, plant and equipment expenses $10,136,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,419,240
    Deposits held in domestic offices $1,419,240
    Deposits by Individuals, partnerships, and corporations $1,286,351
    Deposits by U.S. Government $54,008
    Deposits by States and political subdivisions in the U.S. $35,871
    Deposits by Commercial banks and other depository institutions in U.S. $43,010
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $146,851
    Demand deposits $99,398
    Nontransaction accounts $1,272,389
    Money market deposit accounts (MMDAs) $268,245
    Other savings deposits (excluding MMDAs) $561,982
    Total time deposits $442,162
    Total time and savings deposits $1,319,842
    Noninterest-bearing deposits $272,563
    Interest-bearing deposits $1,146,677
    Retail deposits $1,235,695
    IRAs and Keogh plan accounts $59,001
    Brokered deposits $78,685
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,782,088
    Cash & Balances due from depository institutions $20,144
    Interest-bearing balances $1,715
    Total securities $138,349
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,461,775
    Loan and leases loss allowance $11,246
    Trading account assets $0
    Bank premises and fixed assets $37,124
    Other real estate owned $0
    Goodwill and other intangibles $24,382
    All other assets $100,314

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,782,088
    Total Liabilities $1,615,164
    Total deposits $1,419,240
    Interest-bearing deposits $1,146,677
    Deposits held in domestic offices $1,419,240
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $165,864
    Subordinated debt $0
    All other liabilities $30,060

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,461,775
    Loan and leases loss allowance $11,246
    Total loans and leases (domestic) $1,473,021
    All real estate loans $1,226,311
    Real estate loans in domestic offices $1,226,311
    Construction and development loans $155,770
    Residential 1-4 family construction $45,170
    Other construction, all land development and other land $110,600
    Loans secured by nonfarm nonresidential properties $493,961
    Nonfarm nonresidential secured by owner-occupied properties $231,352
    Commercial real estate & other non-farm, non-residential $262,609
    Multifamily residential real estate $100,137
    1-4 family residential loans $476,443
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $35,215
    Commercial and industrial loans $163,278
    To non-U.S. addressees $0
    Loans to individuals $48,066
    Credit card loans $0
    Related Plans $56
    Consumer Auto Loans $5,413
    Other loans to individuals $42,597
    All other loans & leases $151
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $201
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,115
    Non 1-4 family restructured loans & leases $3,027
    Total loans and leases (foreign) $0

    BayCoast Bank had $1,461,775,000 of loans outstanding in 2019. $1,226,311,000 of loans were in real estate loans. $155,770,000 of loans were in development loans. $100,137,000 of loans were in multifamily mortgage loans. $476,443,000 of loans were in 1-4 family mortgage loans. $35,215,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,413,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 543 $145,123 $267,262
    Nonfarm, nonresidential loans - <$100k 64 $2,690 $42,031
    Nonfarm, nonresidential loans - $100-250k 187 $25,036 $133,882
    Nonfarm, nonresidential loans - $250k-1MM 292 $117,397 $402,045
    Commercial & Industrial, US addressed loans - <$1MM 594 $52,707 $88,732
    Commercial & Industrial, US addressed loans - <$100k 308 $8,226 $26,708
    Commercial & Industrial, US addressed loans - $100-250k 158 $12,614 $79,835
    Commercial & Industrial, US addressed loans - $250k-1MM 128 $31,867 $248,961
    Agriculture operations loans - <$1MM 3 $511 $170,333
    Agriculture operations loans - $100-250k 1 $73 $73,000
    Agriculture operations loans - $250k-1MM 2 $438 $219,000