Bank Safety Analysis
Is Bristol County Savings Bank Safe? Taunton, Massachusetts
Based on its Q3 2026 call report, Bristol County Savings Bank meets every capital ratio test for well capitalized, its Texas ratio is 3.46%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Bristol County Savings Bank safe?
On its Q3 2026 call report, Bristol County Savings Bank's CET1 ratio is 18.16%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 18.16%
- Tier 1 leverage ratio (Q3 2026): 14.58%
- Texas ratio (Q3 2026): 3.46%
- Noncurrent loans ratio (Q3 2026): 0.62%
Bristol County Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #23622). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Bristol County Savings Bank (FDIC Certificate #23622) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Bristol County Savings Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: loan-to-deposit ratio.
Return on assets climbed 0.91 percentage points in Q3 2026, from 0.55% to 1.46%. It was the largest change from Q2 2026 among the key lines here. Within Massachusetts, Bristol County Savings Bank is 9th of 55 on CET1 ratio, 18.16% as of Q3 2026. Bristol County Savings Bank reported 18.16% on CET1 ratio for Q3 2026, 4.56 points above the 13.60% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, Bristol County Savings Bank's CET1 ratio ranged between 14.26% (Q4 2023) and 18.82% (Q1 2025) and its Texas ratio ranged between 3.31% (Q1 2026) and 4.00% (Q4 2023). Between Q3 2025 and Q3 2026, Bristol County Savings Bank's CET1 ratio fell from 18.21% to 18.16%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.61% to 0.62%, Texas ratio rose from 3.41% to 3.46% and return on assets rose from 0.73% to 1.46%.
Of the 89 banks headquartered in Massachusetts, Bristol County Savings Bank is the 16th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $1.10B of $2.75B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Bristol County Savings Bank's CET1 ratio of 18.16% is above the 13.60% median, Tier 1 leverage ratio of 14.58% is above the 10.54% median, nonperforming loans ratio of 0.62% is above the 0.54% median, Texas ratio of 3.46% is below the 3.95% median, and efficiency ratio of 67.57% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Bristol County Savings Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Bristol County Savings Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Bristol County Savings Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 18.16% | Within range |
| Texas ratio BankRegReports band | 3.46% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.62% | Within range |
| Uninsured deposit share BankRegReports band | 36.29% | Within range |
| Loan-to-deposit ratio BankRegReports band | 104.19% | Flagged |
| Commercial real estate to capital supervisory threshold | 163.06% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 18.16% |
| Q2 2026 | 17.84% |
| Q1 2026 | 18.08% |
| Q4 2025 | 17.78% |
| Q3 2025 | 18.21% |
| Q2 2025 | 18.27% |
| Q1 2025 | 18.82% |
| Q4 2024 | 18.34% |
| Q3 2024 | 18.02% |
| Q2 2024 | 17.80% |
| Q1 2024 | 18.65% |
| Q4 2023 | 14.26% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 3.46% |
| Q2 2026 | 3.36% |
| Q1 2026 | 3.31% |
| Q4 2025 | 3.58% |
| Q3 2025 | 3.41% |
| Q2 2025 | 3.49% |
| Q1 2025 | 3.57% |
| Q4 2024 | 3.88% |
| Q3 2024 | 3.90% |
| Q2 2024 | 3.88% |
| Q1 2024 | 3.89% |
| Q4 2023 | 4.00% |
Loans by type, Q3 2026
- 1-4 family residential loans: $1.10B
- Non-owner-occupied commercial real estate loans: $479.1M
- Owner-occupied commercial real estate loans: $369.4M
- Auto loans: $240.7M
- Multifamily loans: $220.8M
- Commercial and industrial loans: $197.9M
- Construction and land development loans: $110.0M
- Other consumer loans: $22.8M
How have Bristol County Savings Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $3.21B | 18.16% | 14.58% | 0.62% | 3.46% | 67.57% |
| Jun 30, 2026 | $3.26B | 17.84% | 14.40% | 0.60% | 3.36% | 76.67% |
| Mar 31, 2026 | $3.16B | 18.08% | 14.43% | 0.60% | 3.31% | 77.36% |
| Dec 31, 2025 | $3.12B | 17.78% | 14.40% | 0.64% | 3.58% | 74.97% |
| Sep 30, 2025 | $3.09B | 18.21% | 14.15% | 0.61% | 3.41% | 70.90% |
| Jun 30, 2025 | $2.99B | 18.27% | 14.47% | 0.63% | 3.49% | 74.25% |
| Mar 31, 2025 | $3.03B | 18.82% | 14.22% | 0.65% | 3.57% | 77.89% |
| Dec 31, 2024 | $3.00B | 18.34% | 13.99% | 0.69% | 3.88% | 75.01% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bristol County Savings Bank FDIC insured?
Yes. Bristol County Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #23622). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Bristol County Savings Bank well capitalized?
On its Q3 2026 call report, Bristol County Savings Bank's CET1 ratio is 18.16%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Bristol County Savings Bank's key safety ratios?
For Q3 2026, Bristol County Savings Bank reports CET1 18.16%, leverage 14.58%, Texas ratio 3.46%, noncurrent loans 0.62%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Bristol County Savings Bank fails?
For Q3 2026, Bristol County Savings Bank reported $2.64B in total deposits, 36.29% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Bristol County Savings Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Bristol County Savings Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 23622) · FFIEC NIC profile (RSSD 13103)
Explore: Full Bristol County Savings Bank profile · Other banks in MA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.