Bristol County Savings Bank
Taunton, MA · Cert 23622 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 96% of banks $1B-$10B in assets operating regionally (rank 8 of 178).
- Widest gap: return on equity trails 96% of banks $1B-$10B in assets operating regionally (rank 171 of 178).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.61%
Rank 162 of 178
Net Interest Margin
3.20%
Rank 136 of 178
Efficiency Ratio
77.46%
Rank 165 of 178
Equity / Assets
14.39%
Rank 9 of 178
Non-interest income vs. expense
Unfavorable gap of $74.1M · efficiency ratio beats 8% 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% | 0.91% | 1.25% | 1.53% | Beats 9% | 162 / 178 | | |
| Return on Equity | 4.24% | 9.18% | 11.89% | 14.44% | Beats 4% | 171 / 178 | | |
| Net Interest Margin | 3.20% | 3.22% | 3.56% | 3.91% | Beats 24% | 136 / 178 | | |
| Efficiency Ratio | 77.46% | 52.04% | 58.90% | 67.10% | Beats 8% | 165 / 178 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.29% | 0.60% | 1.26% | Beats 51% | 88 / 178 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 52% | 87 / 178 | | |
| Capital |
| Tier 1 Capital Ratio | 17.84% | 11.19% | 12.72% | 14.14% | Beats 96% | 8 / 178 | | |
| Total Risk-Based Capital Ratio | 18.94% | 11.91% | 13.63% | 15.33% | Beats 94% | 10 / 178 | | |
| Equity / Assets | 14.39% | 9.12% | 10.35% | 11.80% | Beats 95% | 9 / 178 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.54% | 80.94% | 89.92% | 97.12% | 91st pctl | 16 / 178 | | |
| Loans / Assets | 83.87% | 69.25% | 75.52% | 80.96% | 88th pctl | 22 / 178 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |