The Bank of Canton: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.61 percentage points higher than in Q1 2026, at 19.43%. The Bank of Canton ranks 28th of 89 Massachusetts banks on return on assets, in the upper half at 0.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of Canton sits 0.39 points lower, at 0.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.99% |
| Tier 1 risk-based capital ratio | 22.99% |
| Total risk-based capital ratio | 24.24% |
| Tier 1 leverage ratio | 14.43% |
| Equity capital to assets | 14.59% |
| Tangible equity to tangible assets | 14.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.90% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.99% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 140.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 6.20% |
| Net interest margin | 3.53% |
| Efficiency ratio | 71.58% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.36% |
| Core deposits to total deposits | 94.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.48% |
| Securities to assets | 19.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.57% | 19.57% | 20.82% | 12.61% | 0.65% |
| Q4 2023 | 20.44% | 20.44% | 21.69% | 13.17% | 0.79% |
| Q1 2024 | 20.43% | 20.43% | 21.58% | 13.58% | 0.75% |
| Q2 2024 | 20.94% | 20.94% | 22.10% | 13.47% | 0.95% |
| Q3 2024 | 22.10% | 22.10% | 23.31% | 14.20% | 1.11% |
| Q4 2024 | 22.51% | 22.51% | 23.73% | 14.61% | 0.85% |
| Q1 2025 | 22.96% | 22.96% | 24.20% | 14.81% | 0.76% |
| Q2 2025 | 22.92% | 22.92% | 24.14% | 14.79% | 0.76% |
| Q3 2025 | 22.57% | 22.57% | 23.77% | 14.59% | 0.90% |
| Q4 2025 | 22.35% | 22.35% | 23.53% | 14.73% | 0.92% |
| Q1 2026 | 22.53% | 22.53% | 23.79% | 14.68% | 0.13% |
| Q2 2026 | 22.99% | 22.99% | 24.24% | 14.43% | 0.87% |
The Bank of Canton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Canton, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90175) · FFIEC NIC profile (RSSD 853804)