X0202 SCHEDULE 13D 0001861869 XXXXXXXX LIVE Common Stock 11/02/2026 0002138186 630917102 Narragansett Bancorp, Inc.

330 Swansea Mall Drive Swansea MA 02777

Marie Pellegrino 2022742007 330 Swansea Mall Drive Swansea MA 02777 0001861869 N Narragansett Financial Corporation OO MA 11638000 0 11638000 0 11638000 55.0 HC Common Stock Narragansett Bancorp, Inc. 330 Swansea Mall Drive Swansea MA 02777 Narragansett Financial Corporation 330 Swansea Mall Drive Swansea, Massachusetts 02777 Maria L. Aguiar; Trustee; Retired Certified Public Accountant Nicholas M. Christ; Chair and Chief Executive Officer; Banker Gail M. Fortes; Trustee; Banker Paul M. Joncas; Trustee; President, Meganet Communications Steven W. Kenyon; Trustee and Clerk; Vice President of Administration & Finance, Bristol Community College Brian LeComte; Trustee; President and Chief Operating Officer, Gold Medal Bakery, Inc. Eric B. Mack; Trustee; Attorney and Shareholder, Littler Mendleson P.C. Margaret Patricio; Trustee; Assistant Treasurer and Director, Boston Consulting Group Marie Pellegrino; President; Banker Mary Louise Nunes; Trustee; Managing Member, Nunes & Charrier, LLC Carl W. Taber; Trustee; Banker James F. Wallace; Trustee; Retired Bank Executive Lawrence R. Walsh; Trustee; Retired manufacturing company executive Diana Taxiera; Executive Vice President, Chief Financial Officer and Treasurer; Banker During the past five years, neither the Reporting Person nor any of the Insiders has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors). During the past five years, neither the Reporting Person nor any of the Insiders has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or a finding of any violation with respect to such laws. All Insiders are U.S. citizens. On November 2, 2026, the Issuer issued 11,638,000 shares of its Common Stock to the Reporting Person in connection with the reorganization of BayCoast Bank and the Reporting Person into the two-tier mutual holding company form of organization. The reorganization was effective November 2, 2026. No cash consideration was paid by the Reporting Person. While the Reporting Person intends to exercise its rights as majority stockholder of the Issuer, neither the Reporting Person nor any of the Insiders currently has any plans or proposals which relate to or would result in: (a) the acquisition by any person of additional securities of the Issuer or the disposition of securities of the Issuer; (b) an extraordinary corporate transaction, such as a merger, reorganization or liquidation, involving the Issuer or any of its subsidiaries; (c) a sale or transfer of a material amount of assets of the Issuer or any of its subsidiaries; (d) any change in the present Board of Directors or management of the Issuer, including any plans or proposals to change the number or term of directors or to fill any existing vacancies on the Board; (e) any material change in the present capitalization or dividend policy of the Issuer; (f) any other material change in the Issuer's business or corporate structure; (g) changes in the Issuer's charter or bylaws or instruments corresponding thereto or other actions which may impede the acquisition of control of the Issuer by any person; (h) causing a class of securities of the Issuer to be delisted from a national securities exchange or to cease to be authorized or quoted in an inter-dealer quotation system of a registered national securities association; (i) a class of equity securities of the Issuer becoming eligible for termination of registration pursuant to Section 12(g)(4) of the Exchange Act; or (j) any action similar to any of those enumerated above. In the future, the Reporting Person and/or the Insiders may determine to purchase additional shares of the Issuer's Common Stock (or other securities of the Issuer) and/or the Reporting Person and/or the Insiders may determine to sell shares of the Issuer's Common Stock. Any such determination will depend on a number of factors, including market prices, the Issuer's prospects and alternative investments. As of November 2, 2026, the Reporting Person directly and beneficially owned 11,638,000 shares of the Issuer's Common Stock, which represented 55.0% of the issued and outstanding shares of Issuer's Common Stock on that date. The Reporting Person has the sole power to vote and the sole power to dispose of the shares of the Issuer's Common Stock that it owns. Other than the issuance of the shares of the Issuer's Common Stock to the Reporting Person on November 2, 2026, the Reporting Person has not affected any transaction in the Issuer's Common Stock within the past 60 days. No person or entity other than the Reporting Person has the right to receive, or the power to direct the receipt of, dividends from, or the proceeds from the sale of, the shares of the Issuer's Common Stock reported in this Schedule. Not applicable. As of the date of this Schedule, neither the Reporting Person nor any of the Insiders is a party to any contract, arrangement, understanding or relationship among themselves or with any other person with respect to any securities of the Issuer, including but not limited to transfer or voting of any of the Issuer's Common Stock, finder's fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or loss, the giving or withholding of proxies, or otherwise subject to a contingency the occurrence of which would give another person voting or investment power over the Issuer's Common Stock. None. Narragansett Financial Corporation /s/ Marie Pellegrino 11/02/2026