The Bank of Canton
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Canton is an FDIC-insured savings bank headquartered in Canton, MA, established in 1835 (FDIC certificate 90175), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $782.5M, up 3.6% from Q2 2025, the 58th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 22.99% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90175
- Headquarters
- Canton, MA
- Established
- 1835
- Total assets, Q2 2026
- $782.5M
- Assets vs Q2 2025
- +3.6%
- CET1 ratio, Q2 2026
- 22.99%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 211373102
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Canton call report
- Holding company
- MASSAPOAG BANCORP INC.
- Asset rank in state
- 58th of 89 in Massachusetts
Problem loans are rising at The Bank of Canton. The Canton, Massachusetts bank had $783 million in assets at June 30, 2026, up 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.90% of loans from 0.04% a year earlier. It holds common equity equal to 22.99% of its risk-weighted assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it returns 6.2% a year on shareholders' equity, about half the median of 12.5% for banks its size.
The non-owner-occupied commercial real estate book ($141 million) is worsening: 3.38% of it is past due or on nonaccrual, up from 1.10% a year earlier. Net income for the quarter rose 22% from a year earlier, to $1.7 million. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Bank of Canton reported a CET1 capital ratio of 22.99%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 3.99%. The figures come from its call report filed with the FFIEC.
The Bank of Canton ranks as the 58th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $782.5M, loans fell 0.3% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.3%. The FDIC Summary of Deposits lists 5 offices for it, in Canton, MA, Randolph, MA and Quincy, MA; its Canton 3 offices book 77% of its branch deposits. On its Q2 2026 call report, The Bank of Canton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 490 Turnpike St, Canton, MA 02021
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 4, 1835
- Former names
- The Bank of Canton (2004); The Canton Institution for Savings, The Bank of Canton (1989-2004)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 106
- Domestic deposits
- $661.1M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- -$28K
- Average total assets
- $804.2M
- Average total loans
- $541.2M
- Average interest-bearing deposits
- $576.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 1985
- FDIC Cert
- 90175
- Fed RSSD
- 853804
- Website
- www.thebankofcanton.com →
- Parent Holding Company
- MASSAPOAG BANCORP INC. (RSSD 3259528)
- Ultimate Parent
- PONKAPOAG BANCORP, MHC (RSSD 3223855)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Canton's total assets ranged from $735.1M (Q4 2024) to $792.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$782.5M total assets against $755.3M; $668.4M total liabilities against $647.4M.
$531.1M net loans and leases against $519.2M; $661.1M total deposits against $636.7M.
$152.0M securities against $119.1M; $58.7M cash and balances due against $77.7M.
$9.6M total interest income against $9.3M; $2.8M total interest expense against $2.5M.
$6.7M net interest income against $6.8M.
$1.4M total noninterest income against $1.3M; $5.8M total noninterest expense against $6.1M.
-$40K provision for credit losses against $0.
$1.7M net income against $1.4M.
0.87% return on assets against 0.76%; 3.53% net interest margin against 3.79%.
22.99% CET1 capital ratio against 22.92%; 14.43% tier 1 leverage ratio against 14.79%.
Inside the full The Bank of Canton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Canton rankings
Its closest position to the top of a national ranking is 217 of 2,134, for CET1 ratio; its furthest is 2,848 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.13% (Q1 2026) to 1.11% (Q3 2024) and its net interest margin ran from 3.53% (Q2 2026) to 4.04% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.99% | 0.87% | 0.90% | 3.99% | 3.53% |
| Q1 2026 | 22.53% | 0.13% | 1.20% | 5.48% | 3.62% |
| Q4 2025 | 22.35% | 0.92% | 0.01% | 0.04% | 3.72% |
| Q3 2025 | 22.57% | 0.90% | 0.03% | 0.12% | 3.81% |
| Q2 2025 | 22.92% | 0.76% | 0.04% | 0.20% | 3.79% |
| Q1 2025 | 22.96% | 0.76% | 0.03% | 0.16% | 3.80% |
| Q4 2024 | 22.51% | 0.85% | 0.20% | 0.96% | 3.86% |
| Q3 2024 | 22.10% | 1.11% | 0.20% | 0.96% | 4.04% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Washington St Branch | Canton , MA | 02021 | $400.8M |
| Turnpike Street Branch | Canton , MA | 02021 | $109.9M |
| Randolph Branch | Randolph , MA | 02368 | $82.2M |
| Mcgrath Highway Branch | Quincy , MA | 02169 | $68.2M |
| The Bank of Canton | Canton , MA | 02021 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 69 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 369 applications, 253 loans originated, $156.5M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $228K approved, $228K 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Canton
What are The Bank of Canton's total assets?
As of the Q2 2026 filing, The Bank of Canton reported total assets of $782.5 million in its FFIEC call report.
Where is The Bank of Canton headquartered?
It is headquartered in Canton, MA, United States.
When was The Bank of Canton founded?
It was established in 1835, per the FDIC institution directory.
Is The Bank of Canton FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90175). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Canton?
The Bank of Canton's primary federal regulator is the FDIC.
What is The Bank of Canton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Canton operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Canton's Texas Ratio?
Its Texas Ratio is 3.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of Canton previously called?
The charter now named The Bank of Canton has also operated as The Bank of Canton (2004), The Canton Institution for Savings, The Bank of Canton (1989-2004), per FDIC structure-change records.
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