BanksBANKGLOUCESTER

BANKGLOUCESTER

GLOUCESTER, MASmallEst. Jan. 1, 1887, midnightFDIC #26536RSSD #331375FDIC
Latest · 2025-12-31

BANKGLOUCESTER is an 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%. CET1 capital ratio: 12.21%, well above regulatory minimums. NPL ratio: 2.49% · Texas Ratio: 23.93%. Operates 3 domestic branches.

Assets
$390M
Deposits
$314M
Loans
$341M
Equity
$32M

Profitability

Return on Assets (ROA)0.48%
Return on Equity (ROE)6.01%
Net Interest Margin3.88%
Yield on Assets5.89%
Cost of Funds2.02%

Asset Quality

NPL Ratio2.49%
Net Charge-Off Ratio0.02%
Texas Ratio23.93%
NPA Ratio2.17%
ACL / Loans1.08%

Capital & Liquidity

CET1 Ratio12.21%
Tier 1 Capital12.21%
Total Capital Ratio13.47%
Leverage Ratio8.27%
Loan-to-Deposit108.37%

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