Side-by-side · Q2 2026 data
BayCoast Bank vs Avidia Bank
Metric by metric
| Measure | BayCoast Bank | Avidia Bank |
|---|---|---|
| TellerScore | 46 | 67 (stronger) |
| Capital cushion | 33 | 74 (stronger) |
| Loan quality | 52 | 75 (stronger) |
| Earnings | 40 | 59 (stronger) |
| Funding & liquidity | 50 (stronger) | 33 |
| Problem-loan coverage | 77 | 91 (stronger) |
| Peer percentile | 5th | 44th |
| Total assets | $2.9B | $2.8B |
| Deposits / shares | $2.5B | $2.2B |
| Capital ratio | 8.29% | 12.37% (stronger) |
| Problem loans | 1.45% | 0.75% (stronger) |
| Net charge-offs | 0.12% | -0.03% (stronger) |
| Return on assets | 0.51% | 0.98% (stronger) |
| Loans ÷ deposits | 90.6% (stronger) | 100.1% |
| Uninsured deposits | 32.8% (stronger) | 39.2% |
| Offices | 26 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | 9.9% |
Avidia Bank has the higher TellerScore (67 vs 46). On the 7 directional measures above (where higher or lower is clearly better), BayCoast Bank leads on 2 and Avidia Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.