Bluestone Bank
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Data as of · sourced from FFIEC call reports. How we update
Bluestone Bank is an FDIC-insured commercial bank headquartered in Raynham, MA, established in 1872 (FDIC certificate 90169), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.62B, up 2.3% from Q2 2025, the 34th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 13.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 90169
- Headquarters
- Raynham, MA
- Established
- 1872
- Total assets, Q2 2026
- $1.62B
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 13.29%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 211372828
- Holding company
- MUTUAL BANCORP
- Asset rank in state
- 34th of 89 in Massachusetts
Problem loans are rising at Bluestone Bank. The Raynham, Massachusetts bank had $1.6 billion in assets at June 30, 2026, up 2.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.04% of loans from 0.08% a year earlier. It earns about $0.49 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Delinquency has appeared in its $181 million non-owner-occupied commercial real estate book: 2.01% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 0.2% and deposits rose 5.0%. Its margin is thin by comparison: it keeps 2.40 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Bluestone Bank reported a CET1 capital ratio of 13.29%, a return on assets of 0.49%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 8.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bluestone Bank is the 34th largest of the 89 banks headquartered in Massachusetts. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $1.62B, loans fell 1.1% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.2%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities in MA; its Mansfield office books 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bluestone Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 756 Orchard St, Raynham, MA 02767
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 19, 1872
- Former names
- Bridgewater Savings Bank (2010-2020)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 159
- Domestic deposits
- $1.32B
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $983K
- Average total assets
- $1.66B
- Average total loans
- $1.20B
- Average interest-bearing deposits
- $1.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1985
- FDIC Cert
- 90169
- Fed RSSD
- 699105
- SEC CIK
- 2142096 → filed by MUTUAL BANCORP
- Website
- www.bluestone.bank →
- Parent Holding Company
- MUTUAL BANCORP (RSSD 4369808)
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
Bluestone Bank's total assets moved between a low of $1.48B (Q3 2023) and a high of $1.63B (Q1 2026) from Q3 2023 to Q2 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
$1.62B total assets against $1.59B; $1.49B total liabilities against $1.47B.
$1.19B net loans and leases against $1.19B; $1.32B total deposits against $1.25B.
$270.6M securities against $291.0M; $99.1M cash and balances due against $39.6M.
$18.5M total interest income against $18.6M; $9.0M total interest expense against $9.3M.
$9.6M net interest income against $9.3M.
$2.1M total noninterest income against $2.1M; $9.3M total noninterest expense against $8.9M.
-$247K provision for credit losses against $4K.
$2.0M net income against $1.9M.
0.49% return on assets against 0.47%; 2.40% net interest margin against 2.41%.
13.29% CET1 capital ratio; 9.52% tier 1 leverage ratio against 9.36%.
Inside the full Bluestone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bluestone Bank rankings
Its closest position to the top of a national ranking is 684 of 4,196, for total assets; its furthest is 3,254 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.10% (Q1 2026) to 0.56% (Q4 2025) and its net interest margin ran from 2.03% (Q4 2024) to 2.55% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.29% | 0.49% | 1.04% | 8.98% | 2.40% |
| Q1 2026 | 12.75% | 0.10% | 0.67% | 5.99% | 2.34% |
| Q4 2025 | — | 0.56% | 0.10% | 0.89% | 2.55% |
| Q3 2025 | — | 0.44% | 0.13% | 0.44% | 2.53% |
| Q2 2025 | — | 0.47% | 0.08% | 0.80% | 2.41% |
| Q1 2025 | — | 0.23% | 0.11% | 1.06% | 2.12% |
| Q4 2024 | 13.16% | 0.26% | 0.05% | 0.53% | 2.03% |
| Q3 2024 | 13.35% | 0.28% | 0.14% | 0.51% | 2.16% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Mansfield Branch | Mansfield , MA | 02048 | $242.4M |
| Bridgewater Center Branch | Bridgewater , MA | 02324 | $166.3M |
| West Center Street Branch | West Bridgewater , MA | 02379 | $166.2M |
| Plainville Branch | Plainville , MA | 02762 | $128.6M |
| Bluestone Bank (main office) | Raynham , MA | 02767 | $112.0M |
| Lakeville Branch | Lakeville , MA | 02347 | $110.0M |
| Norton Branch | Norton , MA | 02766 | $101.7M |
| Eastbridgewater Branch | East Bridgewater , MA | 02333 | $97.3M |
| Pembroke Branch | Pembroke , MA | 02359 | $85.0M |
| Bridgewater Branch | Bridgewater , MA | 02324 | $57.0M |
| Taunton Branch | Taunton , MA | 02780 | $50.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2020 | Structure Change | Acquired Mansfield Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2010 | Structure Change | Acquired East Bridgewater Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MA, rank 41 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 352 applications, 253 loans originated, $144.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.8M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Bluestone Bank
What are Bluestone Bank's total assets?
As of the Q2 2026 filing, Bluestone Bank reported total assets of $1.62 billion in its FFIEC call report.
Where is Bluestone Bank headquartered?
It is headquartered in Raynham, MA, United States.
When was Bluestone Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Bluestone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bluestone Bank?
Bluestone Bank's primary federal regulator is the Federal Reserve.
What is Bluestone Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bluestone Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bluestone Bank's Texas Ratio?
Its Texas Ratio is 8.98% 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 Bluestone Bank previously called?
The charter now named Bluestone Bank has also operated as Bridgewater Savings Bank (2010-2020), per FDIC structure-change records.
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