Bristol County Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Bristol County Savings Bank is an FDIC-insured commercial bank headquartered in Taunton, MA, established in 1846 (FDIC certificate 23622), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.26B, up 8.9% from Q2 2025, the 15th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 17.84% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23622
- Headquarters
- Taunton, MA
- Established
- 1846
- Total assets, Q2 2026
- $3.26B
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 17.84%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 211370859
- Latest call report
- Q2 2026, FFIEC 041 · Bristol County Savings Bank call report
- Holding company
- BEACON BANCORP
- Asset rank in state
- 15th of 89 in Massachusetts
Bristol County Savings Bank spends more to run itself than most banks of its size. Based in Taunton, Massachusetts, it had $3.3 billion in assets at June 30, 2026, up 8.9% from a year earlier. It earns about $0.55 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 77 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Net income for the quarter slipped 18% from a year earlier, to $4.4 million. Over the same year, loans grew 8.9% and deposits grew 5.4%.
As of June 30, 2026, Bristol County Savings Bank reported a CET1 capital ratio of 17.84%, a return on assets of 0.55%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bristol County Savings Bank is the 15th largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $3.26B, loans rose 3.0% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.7%. Its 18 offices in the FDIC Summary of Deposits are in 13 cities across 2 states; its Taunton 3 offices book 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bristol County Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 35 Broadway, Taunton, MA 02780
- County
- Bristol
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 2, 1846
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 539
- Domestic deposits
- $2.64B
- Allowance for credit losses
- $25.4M
- Net charge-offs (YTD)
- $792K
- Average total assets
- $3.21B
- Average total loans
- $2.75B
- Average interest-bearing deposits
- $2.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1982
- FDIC Cert
- 23622
- Fed RSSD
- 13103
- Website
- www.bristolcountysavings.com →
- Parent Holding Company
- BEACON BANCORP (RSSD 2388878)
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
Over the 12 quarters to Q2 2026, Bristol County Savings Bank's total assets ran between $2.99B (Q2 2025) and $3.26B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.26B total assets against $2.99B; $2.79B total liabilities against $2.54B.
$2.71B net loans and leases against $2.48B; $2.64B total deposits against $2.51B.
$310.4M securities against $330.9M; $101.3M cash and balances due against $71.2M.
$38.7M total interest income against $35.5M; $12.7M total interest expense against $12.3M.
$26.1M net interest income against $23.2M.
$6.5M total noninterest income against $4.2M; $25.1M total noninterest expense against $20.5M.
$1.0M provision for credit losses against $1.6M.
$4.4M net income against $5.4M.
0.55% return on assets against 0.71%; 3.35% net interest margin against 3.22%.
17.84% CET1 capital ratio against 18.27%; 14.40% tier 1 leverage ratio against 14.47%.
Inside the full Bristol County Savings 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bristol County Savings Bank rankings
Its closest position to the top of a national ranking is 387 of 4,196, for total assets; its furthest is 3,194 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.17% (Q4 2024) to 0.73% (Q3 2025) and its net interest margin ran from 2.62% (Q3 2024) to 3.41% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.84% | 0.55% | 0.60% | 3.36% | 3.35% |
| Q1 2026 | 18.08% | 0.70% | 0.60% | 3.31% | 3.27% |
| Q4 2025 | 17.78% | 0.57% | 0.64% | 3.58% | 3.30% |
| Q3 2025 | 18.21% | 0.73% | 0.61% | 3.41% | 3.41% |
| Q2 2025 | 18.27% | 0.71% | 0.63% | 3.49% | 3.22% |
| Q1 2025 | 18.82% | 0.36% | 0.65% | 3.57% | 2.97% |
| Q4 2024 | 18.34% | -0.17% | 0.69% | 3.88% | 2.97% |
| Q3 2024 | 18.02% | 0.45% | 0.69% | 3.90% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 |
|---|---|---|---|
| Bristol County Savings Bank (main office) | Taunton , MA | 02780 | $538.2M |
| Attleboro Branch | Attleboro , MA | 02703 | $252.7M |
| Raynham Branch | Raynham , MA | 02767 | $215.5M |
| Rehoboth Branch | Rehoboth , MA | 02769 | $206.4M |
| Taunton Branch | Taunton , MA | 02780 | $198.4M |
| North Attleborough Branch | North Attleboro , MA | 02763 | $194.3M |
| Dartmouth Branch | Dartmouth , MA | 02747 | $169.4M |
| Raynham Branch | Raynham , MA | 02767 | $149.1M |
| Amristice Boulevard Branch | Pawtucket , RI | 02860 | $136.1M |
| New Bedford Branch | New Bedford , MA | 02745 | $127.1M |
| Pleasant Street-Fall River North Branch | Fall River , MA | 02721 | $125.7M |
| New Bedford Downtown | New Bedford , MA | 02740 | $108.3M |
| East Freetown Branch | East Freetown , MA | 02717 | $89.3M |
| Cumberland Branch | Cumberland , RI | 02864 | $61.6M |
| Greenville Branch | Greenville , RI | 02828 | $52.6M |
| Providence Branch | Providence , RI | 02903 | $10.7M |
| Taunton High School Branch | Taunton , MA | 02780 | $3.8M |
| Attleborough High School Branch | Attleboro , MA | 02703 | $706K |
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 |
|---|---|---|---|
| August 1, 2020 | Structure Change | Acquired Freedom National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired Anawon Trust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 0.4% of deposits in MA, rank 22 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 48 loans, $8.1M approved, $169K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bristol County Savings Bank
What are Bristol County Savings Bank's total assets?
As of the Q2 2026 filing, Bristol County Savings Bank reported total assets of $3.26 billion in its FFIEC call report.
Where is Bristol County Savings Bank headquartered?
It is headquartered in Taunton, MA, United States.
When was Bristol County Savings Bank founded?
It was established in 1846, per the FDIC institution directory.
Is Bristol County Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bristol County Savings Bank?
Bristol County Savings Bank's primary federal regulator is the FDIC.
What is Bristol County Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.84% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bristol County Savings Bank operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bristol County Savings Bank's Texas Ratio?
Its Texas Ratio is 3.36% 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.
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