Fall River Five Cents Savings Bank
Fall River, MA · Cert 23286 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bankfive MHC
State charter, Fed member · FED · 13 branches
Q2 2026
$1.9BAssets
$1.4BLoans
$1.4BDeposits
$138.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 85% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
- Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.39%
Rank 169 of 176
Net Interest Margin
2.39%
Rank 173 of 176
Efficiency Ratio
83.45%
Rank 170 of 176
Equity / Assets
7.43%
Rank 166 of 176
Non-interest income vs. expense
Unfavorable gap of $35.8M · efficiency ratio beats 4% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.93% | 1.26% | 1.54% | Beats 4% | 169 / 176 | | |
| Return on Equity | 5.30% | 9.26% | 11.89% | 14.46% | Beats 6% | 165 / 176 | | |
| Net Interest Margin | 2.39% | 3.25% | 3.59% | 3.93% | Beats 2% | 173 / 176 | | |
| Efficiency Ratio | 83.45% | 52.79% | 59.55% | 67.66% | Beats 4% | 170 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.30% | 0.64% | 1.32% | Beats 44% | 99 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 85% | 28 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.61% | 11.15% | 12.72% | 14.15% | Beats 32% | 119 / 176 | | |
| Total Risk-Based Capital Ratio | 12.38% | 11.81% | 13.63% | 15.33% | Beats 32% | 120 / 176 | | |
| Equity / Assets | 7.43% | 9.16% | 10.35% | 11.80% | Beats 6% | 166 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.20% | 80.94% | 89.73% | 97.21% | 95th pctl | 9 / 176 | | |
| Loans / Assets | 78.04% | 69.25% | 75.12% | 80.82% | 63rd pctl | 65 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |