Side-by-side · Q2 2026 data
Mechanics Cooperative Bank vs BayCoast Bank
Metric by metric
| Measure | Mechanics Cooperative Bank | BayCoast Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 46 |
| Capital cushion | 74 (stronger) | 33 |
| Loan quality | 99 (stronger) | 52 |
| Earnings | 70 (stronger) | 40 |
| Funding & liquidity | 43 | 50 (stronger) |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 68th | 5th |
| Total assets | $898.8M | $2.9B |
| Deposits / shares | $679.6M | $2.5B |
| Capital ratio | 12.38% (stronger) | 8.29% |
| Problem loans | 0.03% (stronger) | 1.45% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.24% (stronger) | 0.51% |
| Loans ÷ deposits | 108.8% | 90.6% (stronger) |
| Uninsured deposits | 22.5% (stronger) | 32.8% |
| Offices | 9 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 13.1% |
Mechanics Cooperative Bank has the higher TellerScore (77 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Cooperative Bank leads on 6 and BayCoast Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fall River, MA
- New Bedford, MA
- Swansea, MA
- North Dighton, MA
- Somerset, MA
- Westport, MA