Bank of Easton: 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.
Loan-to-deposit ratio climbed 1.71 percentage points in Q2 2026, from 53.82% to 55.52%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Bank of Easton is 42nd of 89 on return on assets, 0.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Easton sits 0.57 points lower, at 0.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.26% |
| Equity capital to assets | 9.63% |
| Tangible equity to tangible assets | 9.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 0.55% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 7.23% |
| Net interest margin | 2.25% |
| Efficiency ratio | 59.98% |
| Yield on earning assets | 4.27% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.52% |
| Core deposits to total deposits | 82.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.35% |
| Securities to assets | 22.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 0.59% | 2.09% | 0.00% | 0.00% |
| Q4 2023 | 11.48% | 0.37% | 2.07% | 0.00% | 0.00% |
| Q1 2024 | 11.37% | 0.52% | 2.03% | 0.00% | 0.00% |
| Q2 2024 | 11.39% | 0.39% | 1.94% | 0.00% | 0.00% |
| Q3 2024 | 11.41% | 0.44% | 1.83% | 0.23% | 0.00% |
| Q4 2024 | 11.35% | 0.30% | 1.74% | 0.06% | 0.00% |
| Q1 2025 | 11.24% | 0.42% | 1.88% | 0.00% | 0.00% |
| Q2 2025 | 11.00% | 0.47% | 2.01% | 0.16% | 0.00% |
| Q3 2025 | 10.02% | 0.70% | 2.20% | 0.00% | 0.01% |
| Q4 2025 | 10.16% | 0.71% | 2.21% | 0.00% | 0.00% |
| Q1 2026 | 10.17% | 0.73% | 2.20% | 0.00% | 0.00% |
| Q2 2026 | 10.26% | 0.69% | 2.25% | 0.00% | 0.00% |
Bank of Easton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Easton, 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 Bank of Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26554) · FFIEC NIC profile (RSSD 956376)