CRA Public File

Take a closer look at how BayCoast Bank is actively working towards the betterment of our communities.

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 ( HMDA data for many other financial institutions are also available at this Web site.