CRA Public File
BayCoast Bank upholds the principles of the Community Reinvestment Act (CRA) and is dedicated to fostering community development. In compliance with CRA regulations, we maintain a comprehensive CRA Public File, which is updated regularly and made available for public inspection upon request. As of April 1 of the current year, our complete CRA Public File is accessible below, providing you with convenient access to information about our community reinvestment efforts.
Assessment Area Maps & Census Data
Maps of the Bank’s assessment areas showing boundaries and identifying the geographies (census tracts) contained within the areas.
Branch Locations & Service Hours
BayCoast Bank offers deposits, mortgage loans, small business loans and other general consumer products in line with traditional banking services.
Public Notice & Community Reinvestment Act Policy
CRA Disclosure Statements
HMDA Disclosure Statement & Modified LAR Statement for BayCoast Bank & BayCoast Mortgage Company
The HMDA data for BayCoast Bank’s and BayCoast Mortgage Company’s residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. The data is accessed online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.