Fall River Five Cents 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.71 percentage points lower than in Q1 2026, at 93.11%. Fall River Five Cents Savings Bank ranks 63rd of 89 Massachusetts banks on return on assets, in the lower half at 0.49% (Q2 2026). Fall River Five Cents Savings Bank's return on assets of 0.49% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.38% |
| Tier 1 leverage ratio | 8.70% |
| Equity capital to assets | 7.43% |
| Tangible equity to tangible assets | 7.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 7.25% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 93.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 6.71% |
| Net interest margin | 2.61% |
| Efficiency ratio | 78.64% |
| Yield on earning assets | 4.75% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.20% |
| Core deposits to total deposits | 80.15% |
| Brokered deposits to total deposits | 3.63% |
| Deposits to assets | 74.18% |
| Securities to assets | 14.46% |
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 | 11.52% | 11.52% | 12.19% | 8.69% | 0.58% |
| Q4 2023 | 11.48% | 11.48% | 12.12% | 8.66% | 0.06% |
| Q1 2024 | 11.37% | 11.37% | 12.00% | 8.55% | 0.14% |
| Q2 2024 | 11.46% | 11.46% | 12.08% | 8.41% | 0.62% |
| Q3 2024 | 11.50% | 11.50% | 12.16% | 8.37% | 0.21% |
| Q4 2024 | 11.35% | 11.35% | 12.07% | 8.12% | -0.14% |
| Q1 2025 | 10.94% | 10.94% | 11.63% | 8.14% | -0.06% |
| Q2 2025 | 10.80% | 10.80% | 11.49% | 8.29% | 0.61% |
| Q3 2025 | 11.11% | 11.11% | 11.78% | 8.37% | 0.36% |
| Q4 2025 | 11.36% | 11.36% | 12.11% | 8.36% | 0.29% |
| Q1 2026 | 11.68% | 11.68% | 12.45% | 8.47% | 0.29% |
| Q2 2026 | 11.61% | 11.61% | 12.38% | 8.70% | 0.49% |
Fall River Five Cents Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fall River Five Cents 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 Fall River Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23286) · FFIEC NIC profile (RSSD 833404)