Bank of Easton Financial Reports, Q2 2026 (North Easton, MA)

Q: What are Bank of Easton's total assets?

As of the Q2 2026 filing, Bank of Easton reported total assets of $249.0 million in its FFIEC call report.

Q: Where is Bank of Easton headquartered?

It is headquartered in North Easton, MA, United States.

Q: When was Bank of Easton founded?

It was established in 1889, per the FDIC institution directory.

Q: Is Bank of Easton FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26554). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Q: Who regulates Bank of Easton?

Bank of Easton's primary federal regulator is the Federal Reserve.

Q: How many branches does Bank of Easton operate?

It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

Q: What is Bank of Easton's Texas Ratio?

Its Texas Ratio is 0.01% 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.

Q: What was Bank of Easton previously called?

The charter now named Bank of Easton has also operated as Bank of Easton, A Co-operative Bank (2002-2006), per FDIC structure-change records.

Bank of Easton is an FDIC-insured commercial bank headquartered in North Easton, MA, established in 1889 (FDIC certificate 26554), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $249.0M, up 5.7% from Q2 2025, the 80th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.

Charter: Commercial bank
Regulator: Federal Reserve
Deposit insurance: FDIC
FDIC certificate: 26554
Headquarters: North Easton, MA
Established: 1889
Total assets, Q2 2026: $249.0M
Assets vs Q2 2025: +5.7%
Tier 1 leverage ratio, Q2 2026: 10.26%
Domestic offices: 3 FDIC institution directory, current count
Routing number: 211373597
Latest call report: Q2 2026, FFIEC 051 · Bank of Easton call report
Asset rank in state: 80th of 89 in Massachusetts

Assets

$249.0M

Deposits

$222.5M

Loans

$123.5M

Equity

$24.0M

Bank of Easton, based in North Easton, Massachusetts, reported $249 million in assets at June 30, 2026, up 5.7% from a year earlier. It keeps 2.25 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 16% of its capital, a small fraction of the median of 1.2 times for banks its size.

Earnings jumped: net income for the quarter was $429,000, 67% above the same quarter a year earlier. Profitability lags: it earns about $0.69 a year on every $100 of assets, about half the median of $1.28 for banks its size.

As of June 30, 2026, Bank of Easton reported a return on assets of 0.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.

What stands out

Against the 2,660 banks with $100 million to $1 billion in assets, June 30, 2026

Commercial real estate concentration 16% Among the lowest of 2,660 banks $100M to $1B; median 119%
Texas ratio 0.0% In the bottom quarter of 2,660 banks $100M to $1B; median 2.6%
Return on assets 0.69% In the bottom quarter of 2,660 banks $100M to $1B; median 1.28%

In the top or bottom 5% of its size peers

Percentile: share of the other banks in the tier with a lower value.

Net interest margin, bottom 5% 2.25% 1st percentile of 2,655 banks with $100M to $1B in assets; median 3.95%. June 30, 2026.
Net interest spread, bottom 5% 1.68% 2nd percentile of 2,648 banks with $100M to $1B in assets; median 3.33%. June 30, 2026.
Reserves / loans, bottom 5% 0.55% 4th percentile of 2,638 banks with $100M to $1B in assets; median 1.19%. June 30, 2026.
Yield on earning assets, bottom 5% 4.27% 5th percentile of 2,655 banks with $100M to $1B in assets; median 5.60%. June 30, 2026.

Bank of Easton ranks as the 80th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $249.0M, loans rose 2.1% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 93.0% of total loans, ahead of owner-occupied commercial real estate loans at 2.7%. The FDIC Summary of Deposits lists 3 offices for it, in North Easton, MA and South Easton, MA; its North Easton 2 offices book 72% of its branch deposits. Judged on its Q2 2026 call report, Bank of Easton meets the community bank leverage ratio test for well capitalized.

Headquarters Profile

Address: 275 Washington St, North Easton, MA 02356
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 051
Established: January 1, 1889
Former names: Bank of Easton, A Co-operative Bank (2002-2006)
Domestic offices: 3 FDIC institution directory, current count
Employees (FTE): 17
Domestic deposits: $222.5M
Allowance for credit losses: $679K
Net charge-offs (YTD): $0
Average total assets: $249.8M
Average total loans: $122.0M
Average interest-bearing deposits: $183.8M
Tax status: C corporation
Ownership: Mutual
Community bank: Yes
FDIC-insured since: February 4, 1986
FDIC Cert: 26554
Fed RSSD: 956376
Website: www.bankofeaston.com →

Profitability

Q2 annualized

Return on Assets0.69%YTD 0.71%

Return on Equity7.23%YTD 7.45%

Net Interest Margin2.25%YTD 2.23%

Yield on Earning Assets4.27%

Cost of Funds2.20%

Asset Quality

Non-Performing Loan Ratio0.00%

Net Charge-Off Ratio0.00%

Texas Ratio0.01%

Non-Performing Asset Ratio0.00%

Allowance for credit losses to total loans0.55%

Capital & Liquidity

CET1 Capital Ratio—

Tier 1 Capital Ratio—

Total Capital Ratio—

Tier 1 Leverage Ratio CBLR10.26%

Loan-to-Deposit Ratio55.52%

Balance Sheet

Total liabilities$225.0M

Cash & balances due$60.2M

Securities, available-for-sale$56.8M

Securities, held-to-maturity$0

Goodwill & intangibles$0

Income Statement

Net income Q2$429K

Net interest income YTD$2.6M

Total interest income YTD$5.0M

Total interest expense YTD$2.4M

Provision for credit losses YTD$7K

Operating & Funding

Total noninterest income YTD$183K

Total noninterest expense YTD$1.7M

Efficiency Ratio59.98%

Net Interest Spread1.68%

Core Deposit Ratio82.26%

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. As a community bank leverage ratio filer, Bank of Easton reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures

Quarterly trends

Over the 12 quarters to Q2 2026, Bank of Easton's total assets ran between $193.1M (Q3 2023) and $250.9M (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

Total assets and total liabilities

$249.0M total assets against $235.6M; $225.0M total liabilities against $213.9M.

Loans and leases against deposits

$122.8M net loans and leases against $115.9M; $222.5M total deposits against $211.4M.

Securities and cash

$56.8M securities against $57.8M; $60.2M cash and balances due against $52.7M.

Interest income against interest expense

$2.6M total interest income against $2.2M; $1.2M total interest expense against $1.2M.

Net interest income

$1.3M net interest income against $1.0M.

Noninterest income against noninterest expense

$90K total noninterest income against $116K; $868K total noninterest expense against $817K.

Provision for credit losses

$7K provision for credit losses against $10K.

Net income

$429K net income against $257K.

Return on assets and net interest margin

0.69% return on assets against 0.47%; 2.25% net interest margin against 2.01%.

CET1 and Tier 1 leverage ratios

10.26% tier 1 leverage ratio against 11.00%.

Inside the full Bank of Easton terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Bank of Easton rankings

Its closest position to the top of a national ranking is 1,828 of 3,606, for efficiency ratio; its furthest is 3,335 of 3,640, for Texas Ratio.

Total assets #2,707 /4,196 $249.0M 36th pct ROA #3,039 /3,611 0.69% 16th pct Texas Ratio #3,335 /3,640 0.01% 8th pct Efficiency ratio #1,828 /3,606 59.98% 49th pct Largest Massachusetts banks by assets #80 in Massachusetts

How ranks are counted

Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from 0.30% (Q4 2024) to 0.73% (Q1 2026) and its net interest margin ran from 1.74% (Q4 2024) to 2.25% (Q2 2026).

Quarter	Leverage	ROA	NPL	Texas	NIM
Q2 2026	10.26%	0.69%	0.00%	0.01%	2.25%
Q1 2026	10.17%	0.73%	0.00%	0.01%	2.20%
Q4 2025	10.16%	0.71%	0.00%	0.01%	2.21%
Q3 2025	10.02%	0.70%	0.00%	0.01%	2.20%
Q2 2025	11.00%	0.47%	0.16%	0.83%	2.01%
Q1 2025	11.24%	0.42%	0.00%	0.02%	1.88%
Q4 2024	11.35%	0.30%	0.07%	0.36%	1.74%
Q3 2024	11.41%	0.44%	0.24%	1.20%	1.83%

Swipe the table sideways to see every column.

Branch Network

View all 3 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.

1–3 of 3

Branch	Location	ZIP	Deposits
Bank of Easton (main office)	North Easton , MA	02356	$158.1M
South Easton Branch	South Easton , MA	02375	$63.3M
Www.Bankofeaston.Com Branch	North Easton , MA	02356	$1.1M

Regulatory record

Facts as filed or published, not a rating.

Deposit market share: <0.1% of deposits in MA, rank 93 of 112 institutions; Period: June 30, 2026. Source: FDIC Summary of Deposits.
Not on file: Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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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