FLORENCE BANK

FLORENCE, MA | Large | Est. Feb. 14, 1873, midnight | FDIC #23293 | RSSD #279105 | FDIC
Latest Report: 2025-12-31

FLORENCE BANK is aln large FDIC-insured commercial bank headquartered in FLORENCE, MA, established in Feb. 14, 1873, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.8B. Profitability stands at 0.50% ROA and 4.81% ROE, with a net interest margin of 2.82%. The bank's CET1 capital ratio is 10.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.21%. FDIC Certificate #23293.

Assets

$2.0B

Deposits

$1.8B

Loans

$1.2B

Equity

$209M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 4.81%
Net Interest Margin (NIM) 2.82%
Yield on Assets 4.20%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.21%
NPA Ratio 0.13%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 10.40%
Tier 1 Capital 10.40%
Total Capital Ratio 10.92%
Leverage Ratio 12.10%
Loan-to-Deposit 70.76%

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