Bristol County Savings Bank: 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 3.11 percentage points in Q2 2026, from 100.44% to 103.54%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Bristol County Savings Bank is 56th of 89 on return on assets, 0.55% as of Q2 2026, below the middle of the field. Bristol County Savings Bank's return on assets of 0.55% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.84% |
| Tier 1 risk-based capital ratio | 17.84% |
| Total risk-based capital ratio | 18.94% |
| Tier 1 leverage ratio | 14.40% |
| Equity capital to assets | 14.39% |
| Tangible equity to tangible assets | 13.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 3.80% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 140.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.55% |
| Return on equity | 3.77% |
| Net interest margin | 3.35% |
| Efficiency ratio | 76.67% |
| Yield on earning assets | 4.98% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.54% |
| Core deposits to total deposits | 89.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.00% |
| Securities to assets | 9.52% |
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 | 13.60% | 13.60% | 14.36% | 12.73% | -0.57% |
| Q4 2023 | 14.26% | 14.26% | 15.07% | 13.32% | 2.14% |
| Q1 2024 | 18.65% | 18.65% | 19.67% | 13.75% | 1.19% |
| Q2 2024 | 17.80% | 17.80% | 18.79% | 13.53% | 0.32% |
| Q3 2024 | 18.02% | 18.02% | 19.02% | 13.85% | 0.45% |
| Q4 2024 | 18.34% | 18.34% | 19.39% | 13.99% | -0.17% |
| Q1 2025 | 18.82% | 18.82% | 19.92% | 14.22% | 0.36% |
| Q2 2025 | 18.27% | 18.27% | 19.39% | 14.47% | 0.71% |
| Q3 2025 | 18.21% | 18.21% | 19.40% | 14.15% | 0.73% |
| Q4 2025 | 17.78% | 17.78% | 18.89% | 14.40% | 0.57% |
| Q1 2026 | 18.08% | 18.08% | 19.17% | 14.43% | 0.70% |
| Q2 2026 | 17.84% | 17.84% | 18.94% | 14.40% | 0.55% |
Bristol County Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol County Savings Bank, 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 Bristol County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23622) · FFIEC NIC profile (RSSD 13103)