Florence 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.
Reserve coverage of non-performing loans climbed 14.28 percentage points in Q2 2026, from 130.84% to 145.12%. It was the largest change from Q1 2026 among the key lines here. Florence Bank ranks 37th of 89 Massachusetts banks on return on assets, in the upper half at 0.78% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Florence Bank sits 0.50 points lower, at 0.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.23% |
| Equity capital to assets | 10.74% |
| Tangible equity to tangible assets | 10.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.60% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 145.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 7.37% |
| Net interest margin | 2.86% |
| Efficiency ratio | 65.87% |
| Yield on earning assets | 4.11% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.48% |
| Core deposits to total deposits | 87.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.63% |
| Securities to assets | 28.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.31% | 0.69% | 2.60% | 0.57% | 0.01% |
| Q4 2023 | 11.18% | 0.36% | 2.40% | 0.32% | 0.16% |
| Q1 2024 | 10.51% | 0.55% | 2.19% | 0.31% | 0.01% |
| Q2 2024 | 10.51% | 0.54% | 2.17% | 0.23% | 0.01% |
| Q3 2024 | 10.54% | 0.57% | 2.19% | 0.26% | 0.01% |
| Q4 2024 | 11.14% | 0.41% | 2.32% | 0.30% | 0.01% |
| Q1 2025 | 11.69% | 0.53% | 2.48% | 0.31% | 0.01% |
| Q2 2025 | 12.00% | 0.74% | 2.71% | 0.21% | 0.01% |
| Q3 2025 | 12.14% | 0.69% | 2.76% | 0.26% | 0.01% |
| Q4 2025 | 12.10% | 0.50% | 2.70% | 0.21% | 0.01% |
| Q1 2026 | 12.22% | 0.66% | 2.75% | 0.49% | 0.01% |
| Q2 2026 | 12.23% | 0.78% | 2.86% | 0.46% | 0.01% |
Florence Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Florence 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 Florence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23293) · FFIEC NIC profile (RSSD 279105)