Call reports 2025
BAYCOAST BANK — 2025
What BAYCOAST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,958,260,000 | 2,971,760,000 | 2,864,372,000 | 2,846,896,000 |
| Total loans | 2,323,084,000 | 2,365,260,000 | 2,291,988,000 | 2,276,692,000 |
| Allowance for loan losses | 26,207,000 | 27,680,000 | 28,416,000 | 26,378,000 |
| Securities available for sale | 304,934,000 | 318,508,000 | 334,465,000 | 342,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,418,707,000 | 2,452,977,000 | 2,459,360,000 | 2,434,755,000 |
| Interest-bearing deposits | 2,000,615,000 | 2,009,002,000 | 2,042,858,000 | 2,035,114,000 |
| Noninterest-bearing deposits | 418,092,000 | 443,975,000 | 416,502,000 | 399,641,000 |
| Equity capital | 254,004,000 | 254,722,000 | 254,261,000 | 258,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 34,986,000 | 70,828,000 | 107,068,000 | 142,757,000 |
| Interest expense | 15,765,000 | 31,201,000 | 46,115,000 | 59,636,000 |
| Net interest income | 19,221,000 | 39,627,000 | 60,953,000 | 83,121,000 |
| Noninterest income | 11,826,000 | 27,230,000 | 40,842,000 | 52,693,000 |
| Noninterest expense | 27,603,000 | 56,610,000 | 86,112,000 | 114,657,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,250,000 | 5,675,000 |
| Pretax income | 1,990,000 | 7,176,000 | 11,321,000 | 15,250,000 |
| Income tax | 513,000 | 1,679,000 | 2,600,000 | 1,878,000 |
| Net income | 1,477,000 | 5,497,000 | 8,721,000 | 13,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 235,565,000 | 234,842,000 | 233,323,000 | 233,233,000 |
| Total capital | 262,158,000 | 262,829,000 | 260,695,000 | 260,393,000 |
| Risk-weighted assets | 2,196,115,000 | 2,238,977,000 | 2,188,082,000 | 2,185,275,000 |
Machine access — free, no API key
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