BANKGLOUCESTER

GLOUCESTER, MA | Small | Est. Jan. 1, 1887, midnight | FDIC #26536 | RSSD #331375 | FDIC
Latest Report: 2025-12-31

BANKGLOUCESTER is asn small FDIC-insured commercial bank headquartered in GLOUCESTER, MA, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $390M and total deposits of $314M. Profitability stands at 0.48% ROA and 6.01% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 12.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.49% and a Texas Ratio of 23.93%. FDIC Certificate #26536.

Assets

$390M

Deposits

$314M

Loans

$341M

Equity

$32M

Profitability

Return on Assets (ROA) 0.48%
Return on Equity (ROE) 6.01%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.89%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 2.49%
Net Charge-Off Ratio 0.02%
Texas Ratio 23.93%
NPA Ratio 2.17%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 12.21%
Tier 1 Capital 12.21%
Total Capital Ratio 13.47%
Leverage Ratio 8.27%
Loan-to-Deposit 108.37%

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