Florence Bank
Florence, MA · Cert 23293 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Florence Bcorp MHC
SI · FDIC · 13 branches
Q2 2026
$2.0BAssets
$1.3BLoans
$1.8BDeposits
$216.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 79% of banks $1B-$10B in assets operating in a single state (rank 54 of 258).
- Widest gap: net interest margin trails 92% of banks $1B-$10B in assets operating in a single state (rank 237 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.72%
Rank 225 of 258
Net Interest Margin
2.65%
Rank 237 of 258
Efficiency Ratio
68.27%
Rank 185 of 257
Equity / Assets
10.74%
Rank 111 of 258
Non-interest income vs. expense
Unfavorable gap of $34.4M · efficiency ratio beats 28% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.93% | 1.23% | 1.54% | Beats 13% | 225 / 258 | |
| Return on Equity | 6.71% | 9.26% | 11.84% | 14.74% | Beats 13% | 224 / 258 | |
| Net Interest Margin | 2.65% | 3.16% | 3.49% | 3.88% | Beats 8% | 237 / 258 | |
| Efficiency Ratio | 68.27% | 51.71% | 60.30% | 69.65% | Beats 28% | 185 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.19% | 0.46% | 0.90% | Beats 50% | 131 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 79% | 54 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.23% | 11.41% | 12.98% | 15.12% | Beats 37% | 162 / 258 | |
| Total Risk-Based Capital Ratio | 12.23% | 12.10% | 13.91% | 16.08% | Beats 28% | 185 / 258 | |
| Equity / Assets | 10.74% | 9.09% | 10.24% | 11.72% | Beats 57% | 111 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 71.48% | 73.24% | 86.34% | 95.95% | 21st pctl | 205 / 258 | |
| Loans / Assets | 63.35% | 63.01% | 72.27% | 78.40% | 26th pctl | 191 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |