Fall River Five Cents Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Fall River Five Cents Savings Bank is an FDIC-insured commercial bank headquartered in Fall River, MA, established in 1855 (FDIC certificate 23286), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.86B, down 1.0% from Q2 2025, the 28th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 11.61% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23286
- Headquarters
- Fall River, MA
- Established
- 1855
- Total assets, Q2 2026
- $1.86B
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 11.61%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 211370642
- Holding company
- BANKFIVE CORPORATION
- Asset rank in state
- 28th of 89 in Massachusetts
Problem loans are rising at Fall River Five Cents Savings Bank. Its balance sheet stood at $1.9 billion at June 30, 2026; it is based in Fall River, Massachusetts. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.73% of loans from 0.39% 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).
Unrealized losses on its securities total $39 million, equal to 24% of Tier 1 capital, against 29% a year earlier. Net income for the quarter slipped 21% from a year earlier, to $2.3 million. Its margin is thin by comparison: it keeps 2.61 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, Fall River Five Cents Savings Bank reported a CET1 capital ratio of 11.61%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 7.23%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Fall River Five Cents Savings Bank is the 28th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $1.86B, loans rose 1.3% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.4% of total loans, followed by non-owner-occupied commercial real estate loans at 18.6%. Its 13 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Fall River 5 offices book 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fall River Five Cents Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 79 N Main St, Fall River, MA 02720
- 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
- —
- Call Report form
- FFIEC 041
- Established
- April 10, 1855
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 191
- Domestic deposits
- $1.38B
- Allowance for credit losses
- $9.8M
- Net charge-offs (YTD)
- -$174K
- Average total assets
- $1.88B
- Average total loans
- $1.41B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1981
- FDIC Cert
- 23286
- Fed RSSD
- 833404
- SEC CIK
- 1880339 → filed by BANKFIVE, MHC
- Website
- http://www.bankfive.com →
- Parent Holding Company
- BANKFIVE CORPORATION (RSSD 3321005)
- Ultimate Parent
- BANKFIVE, MHC (RSSD 3320978)
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, Fall River Five Cents Savings Bank's total assets ran between $1.80B (Q3 2023) and $1.90B (Q1 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
$1.86B total assets against $1.88B; $1.72B total liabilities against $1.75B.
$1.44B net loans and leases against $1.47B; $1.38B total deposits against $1.35B.
$268.5M securities against $261.2M; $49.7M cash and balances due against $38.5M.
$21.1M total interest income against $20.8M; $9.5M total interest expense against $10.8M.
$11.6M net interest income against $9.9M.
$2.3M total noninterest income against $4.3M; $11.0M total noninterest expense against $11.2M.
$24K provision for credit losses against -$138K.
$2.3M net income against $2.9M.
0.49% return on assets against 0.61%; 2.61% net interest margin against 2.19%.
11.61% CET1 capital ratio against 10.80%; 8.70% tier 1 leverage ratio against 8.29%.
Inside the full Fall River Five Cents 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.
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.
Fall River Five Cents Savings Bank rankings
Its closest position to the top of a national ranking is 628 of 4,196, for total assets; its furthest is 3,259 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.14% (Q4 2024) to 0.61% (Q2 2025) and its net interest margin ran from 1.94% (Q1 2025) to 2.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 0.49% | 0.73% | 7.23% | 2.61% |
| Q1 2026 | 11.68% | 0.29% | 0.66% | 6.56% | 2.41% |
| Q4 2025 | 11.36% | 0.29% | 0.65% | 6.60% | 2.35% |
| Q3 2025 | 11.11% | 0.36% | 0.37% | 3.85% | 2.21% |
| Q2 2025 | 10.80% | 0.61% | 0.39% | 4.27% | 2.19% |
| Q1 2025 | 10.94% | -0.06% | 0.25% | 2.71% | 1.94% |
| Q4 2024 | 11.35% | -0.14% | 0.20% | 2.72% | 2.05% |
| Q3 2024 | 11.50% | 0.21% | 0.19% | 2.08% | 2.12% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Fall River Five Cents Savings Bank (main office) | Fall River , MA | 02720 | $403.6M |
| Dartmouth Branch | Dartmouth , MA | 02747 | $144.5M |
| President Avenue Branch | Fall River , MA | 02720 | $140.6M |
| Somerset Branch | Somerset , MA | 02726 | $135.2M |
| Swansea Branch | Swansea , MA | 02777 | $126.2M |
| County Street Branch | New Bedford , MA | 02740 | $106.2M |
| Globe Branch | Fall River , MA | 02724 | $73.2M |
| Flint Branch | Fall River , MA | 02723 | $68.2M |
| Fairhaven Branch | Fairhaven , MA | 02719 | $58.9M |
| Acushnet Ave Branch | New Bedford , MA | 02746 | $57.6M |
| Express Branch | Fall River , MA | 02720 | $52.1M |
| Warwick Digital Branch | Warwick , RI | 02886 | $6.0M |
| Westport Digital Branch | Westport , MA | 02790 | $4.9M |
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 |
|---|---|---|---|
| September 22, 2007 | Structure Change | Acquired Luzo Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MA, rank 39 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,510 applications, 1,079 loans originated, $391.0M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $714K approved, $178K 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, 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 Fall River Five Cents Savings Bank
What are Fall River Five Cents Savings Bank's total assets?
As of the Q2 2026 filing, Fall River Five Cents Savings Bank reported total assets of $1.86 billion in its FFIEC call report.
Where is Fall River Five Cents Savings Bank headquartered?
It is headquartered in Fall River, MA, United States.
When was Fall River Five Cents Savings Bank founded?
It was established in 1855, per the FDIC institution directory.
Is Fall River Five Cents Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fall River Five Cents Savings Bank?
Fall River Five Cents Savings Bank's primary federal regulator is the Federal Reserve.
What is Fall River Five Cents Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.61% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fall River Five Cents 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 Fall River Five Cents Savings Bank's Texas Ratio?
Its Texas Ratio is 7.23% 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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