Bankgloucester: 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 dropped 4.02 percentage points in Q2 2026, from 114.12% to 110.10%. It was the largest change from Q1 2026 among the key lines here. Bankgloucester ranks 71st of 89 Massachusetts banks on return on assets, in the lower half at 0.43% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Bankgloucester reported 0.43% on return on assets in Q2 2026, 0.82 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.48% |
| Tier 1 risk-based capital ratio | 13.48% |
| Total risk-based capital ratio | 14.73% |
| Tier 1 leverage ratio | 8.70% |
| Equity capital to assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.98% |
| Non-performing assets ratio | 2.58% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 27.62% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 35.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.43% |
| Return on equity | 5.14% |
| Net interest margin | 3.81% |
| Efficiency ratio | 82.07% |
| Yield on earning assets | 5.68% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.10% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 3.42% |
| Deposits to assets | 78.63% |
| Securities to assets | 9.27% |
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 | 11.52% | 11.52% | 12.75% | 7.82% | 0.26% |
| Q4 2023 | 11.89% | 11.89% | 13.14% | 8.15% | 0.46% |
| Q1 2024 | 11.94% | 11.94% | 13.19% | 8.33% | 0.09% |
| Q2 2024 | 12.12% | 12.12% | 13.37% | 8.34% | 0.02% |
| Q3 2024 | 11.99% | 11.99% | 13.24% | 8.29% | 0.14% |
| Q4 2024 | 12.13% | 12.13% | 13.38% | 8.24% | 0.21% |
| Q1 2025 | 12.12% | 12.12% | 13.38% | 8.24% | 0.23% |
| Q2 2025 | 11.98% | 11.98% | 13.23% | 8.20% | 0.30% |
| Q3 2025 | 12.22% | 12.22% | 13.48% | 8.18% | 0.45% |
| Q4 2025 | 12.21% | 12.21% | 13.47% | 8.27% | 0.48% |
| Q1 2026 | 13.03% | 13.03% | 14.28% | 8.53% | 0.42% |
| Q2 2026 | 13.48% | 13.48% | 14.73% | 8.70% | 0.43% |
Bankgloucester vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankgloucester, 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 Bankgloucester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26536) · FFIEC NIC profile (RSSD 331375)