Bristol County Savings Bank
Taunton, MA · Cert 23622 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Beacon Bcorp
State charter, non-member · FDIC · 18 branches
Q2 2026
$3.3BAssets
$2.7BLoans
$2.6BDeposits
$469.0MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of banks $1B-$10B in assets operating regionally (rank 9 of 176).
- Widest gap: return on equity trails 96% of banks $1B-$10B in assets operating regionally (rank 169 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.61%
Rank 160 of 176
Net Interest Margin
3.20%
Rank 138 of 176
Efficiency Ratio
77.46%
Rank 164 of 176
Equity / Assets
14.39%
Rank 11 of 176
Non-interest income vs. expense
Unfavorable gap of $74.1M · efficiency ratio beats 7% 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 | 0.61% | 0.93% | 1.26% | 1.54% | Beats 9% | 160 / 176 | | |
| Return on Equity | 4.24% | 9.26% | 11.89% | 14.46% | Beats 4% | 169 / 176 | | |
| Net Interest Margin | 3.20% | 3.25% | 3.59% | 3.93% | Beats 22% | 138 / 176 | | |
| Efficiency Ratio | 77.46% | 52.79% | 59.55% | 67.66% | Beats 7% | 164 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.30% | 0.64% | 1.32% | Beats 53% | 84 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 53% | 84 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 17.84% | 11.15% | 12.72% | 14.15% | Beats 95% | 9 / 176 | | |
| Total Risk-Based Capital Ratio | 18.94% | 11.81% | 13.63% | 15.33% | Beats 94% | 10 / 176 | | |
| Equity / Assets | 14.39% | 9.16% | 10.35% | 11.80% | Beats 94% | 11 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.54% | 80.94% | 89.73% | 97.21% | 91st pctl | 15 / 176 | | |
| Loans / Assets | 83.87% | 69.25% | 75.12% | 80.82% | 89th pctl | 20 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |