Fall River Five Cents Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Fall River Five Cents Savings Bank. Its balance sheet stood at $1.9 billion at June 30, 2026; it is based in Fall River, Massachusetts. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.73% of loans from 0.39% a year earlier. It earns about $0.49 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Unrealized losses on its securities total $39 million, equal to 24% of Tier 1 capital, against 29% a year earlier. Net income for the quarter slipped 21% from a year earlier, to $2.3 million. Its margin is thin by comparison: it keeps 2.61 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Fall River Five Cents Savings Bank reported a CET1 capital ratio of 11.61%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 7.23%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 79 N Main St, Fall River, MA 02720
- County
- Bristol
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 10, 1855
- Offices
- 18 domestic
- Employees (FTE)
- 191
- Domestic deposits
- $1.38B
- Allowance for credit losses
- $9.8M
- Net charge-offs (YTD)
- -$174K
- Average total assets
- $1.88B
- Average total loans
- $1.41B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1981
- FDIC Cert
- 23286
- Fed RSSD
- 833404
- SEC CIK
- 1880339 → filed by BANKFIVE, MHC
- Website
- http://www.bankfive.com →
- Parent Holding Company
- BANKFIVE CORPORATION (RSSD 3321005)
- Ultimate Parent
- BANKFIVE, MHC (RSSD 3320978)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Fall River Five Cents Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Fall River Five Cents Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Fall River Five Cents Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 0.49% | 0.73% | 7.23% | 2.61% |
| Q1 2026 | 11.68% | 0.29% | 0.66% | 6.56% | 2.41% |
| Q4 2025 | 11.36% | 0.29% | 0.66% | 6.60% | 2.35% |
| Q3 2025 | 11.11% | 0.36% | 0.37% | 3.85% | 2.21% |
| Q2 2025 | 10.80% | 0.61% | 0.39% | 4.27% | 2.19% |
| Q1 2025 | 10.94% | -0.06% | 0.25% | 2.71% | 1.94% |
| Q4 2024 | 11.35% | -0.14% | 0.20% | 2.72% | 2.05% |
| Q3 2024 | 11.50% | 0.21% | 0.19% | 2.08% | 2.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fall River Five Cents Savings Bank (main office) | Fall River , MA | 02720 | $403.6M |
| Dartmouth Branch | Dartmouth , MA | 02747 | $144.5M |
| President Avenue Branch | Fall River , MA | 02720 | $140.6M |
| Somerset Branch | Somerset , MA | 02726 | $135.2M |
| Swansea Branch | Swansea , MA | 02777 | $126.2M |
| County Street Branch | New Bedford , MA | 02740 | $106.2M |
| Globe Branch | Fall River , MA | 02724 | $73.2M |
| Flint Branch | Fall River , MA | 02723 | $68.2M |
| Fairhaven Branch | Fairhaven , MA | 02719 | $58.9M |
| Acushnet Ave Branch | New Bedford , MA | 02746 | $57.6M |
| Express Branch | Fall River , MA | 02720 | $52.1M |
| Warwick Digital Branch | Warwick , RI | 02886 | $6.0M |
| Westport Digital Branch | Westport , MA | 02790 | $4.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 22, 2007 | Structure Change | Acquired Luzo Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Fall River Five Cents Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MA, rank 39 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,510 applications, 1,079 loans originated, $391.0M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $714K approved, $178K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Fall River Five Cents Savings Bank
What are Fall River Five Cents Savings Bank's total assets?
As of the Q2 2026 filing, Fall River Five Cents Savings Bank reported total assets of $1.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fall River Five Cents Savings Bank headquartered?
Fall River Five Cents Savings Bank is headquartered in Fall River, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Fall River Five Cents Savings Bank founded?
Fall River Five Cents Savings Bank was established in 1855, per the FDIC institution directory.
Is Fall River Five Cents Savings Bank FDIC-insured?
Yes. Fall River Five Cents Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #23286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fall River Five Cents Savings Bank?
Fall River Five Cents Savings Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fall River Five Cents Savings Bank's CET1 capital ratio?
Fall River Five Cents Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.61% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fall River Five Cents Savings Bank operate?
Fall River Five Cents Savings Bank operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fall River Five Cents Savings Bank's Texas Ratio?
Fall River Five Cents Savings Bank's Texas Ratio is 7.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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