BANKESB

EASTHAMPTON, MA | Large | Est. Feb. 10, 1869, midnight | FDIC #90188 | RSSD #859002 | FED
Latest Report: 2025-12-31

BANKESB is aln large FDIC-insured commercial bank headquartered in EASTHAMPTON, MA, established in Feb. 10, 1869, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.7B. Profitability stands at -1.56% ROA and -15.97% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 11.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.86% and a Texas Ratio of 6.78%. FDIC Certificate #90188.

Assets

$2.0B

Deposits

$1.7B

Loans

$1.6B

Equity

$192M

Profitability

Return on Assets (ROA) -1.56%
Return on Equity (ROE) -15.97%
Net Interest Margin (NIM) 3.19%
Yield on Assets 5.35%
Cost of Funds 3.08%

Asset Quality

NPL Ratio 0.86%
Net Charge-Off Ratio 1.52%
Texas Ratio 6.78%
NPA Ratio 0.71%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 11.53%
Tier 1 Capital 11.53%
Total Capital Ratio 12.48%
Leverage Ratio 9.57%
Loan-to-Deposit 93.68%

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