North Easton Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
North Easton Savings Bank is an FDIC-insured savings bank headquartered in South Easton, MA, established in 1864 (FDIC certificate 90259), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.84B, up 7.0% from Q2 2025, the 29th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 16.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90259
- Headquarters
- South Easton, MA
- Established
- 1864
- Total assets, Q2 2026
- $1.84B
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 16.22%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 211371463
- Latest call report
- Q2 2026, FFIEC 051 · North Easton Savings Bank call report
- Holding company
- 1864 BANCORP, INC.
- Asset rank in state
- 29th of 89 in Massachusetts
Problem loans are rising at North Easton Savings Bank. It reported $1.8 billion in assets at June 30, 2026, up 7.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.64% of loans from 0.47% a year earlier. It carries problem assets equal to 11.0% of the capital and reserves that would absorb them, about triple the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also returns 7.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
The commercial and industrial book ($185 million) is worsening: 1.78% of it is past due or on nonaccrual, up from 0.66% a year earlier. Net income for the quarter rose 14% from a year earlier, to $3.7 million. Its margin is thin by comparison: it keeps 3.22 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, North Easton Savings Bank reported a CET1 capital ratio of 16.22%, a return on assets of 0.81%, a nonperforming-loan ratio of 1.64% and a Texas ratio of 10.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, North Easton Savings Bank is the 29th largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $1.84B, loans fell 1.5% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.4% of total loans, followed by commercial and industrial loans at 14.0%. The FDIC Summary of Deposits lists 14 offices for it, in 11 cities in MA; its North Easton office books 17% of its branch deposits. By the capital ratios in its Q2 2026 call report, North Easton Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20 Eastman St, South Easton, MA 02375
- County
- Bristol
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 8, 1864
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 204
- Domestic deposits
- $1.61B
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $228K
- Average total assets
- $1.83B
- Average total loans
- $1.33B
- Average interest-bearing deposits
- $1.36B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 6, 1985
- FDIC Cert
- 90259
- Fed RSSD
- 527600
- Website
- www.northeastonsavingsbank.com →
- Parent Holding Company
- 1864 BANCORP, INC. (RSSD 5907524)
- Ultimate Parent
- 1864 BANCORP, MHC (RSSD 5887019)
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
From Q3 2023 to Q2 2026, North Easton Savings Bank's total assets ranged from $1.57B (Q4 2023) to $1.84B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.84B total assets against $1.72B; $1.63B total liabilities against $1.56B.
$1.32B net loans and leases against $1.29B; $1.61B total deposits against $1.54B.
$344.8M securities against $259.0M; $55.4M cash and balances due against $43.4M.
$20.7M total interest income against $19.2M; $7.2M total interest expense against $7.7M.
$13.5M net interest income against $11.5M.
$2.8M total noninterest income against $3.1M; $11.3M total noninterest expense against $11.0M.
$546K provision for credit losses against -$408K.
$3.7M net income against $3.3M.
0.81% return on assets against 0.75%; 3.22% net interest margin against 2.93%.
16.22% CET1 capital ratio against 12.83%; 11.19% tier 1 leverage ratio against 8.86%.
Inside the full North Easton Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorth Easton Savings Bank rankings
Its closest position to the top of a national ranking is 634 of 4,196, for total assets; its furthest is 2,872 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 0.81% (Q2 2026) and its net interest margin ran from 2.76% (Q3 2024) to 3.22% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.22% | 0.81% | 1.64% | 10.96% | 3.22% |
| Q1 2026 | 16.11% | 0.73% | 0.76% | 5.19% | 3.09% |
| Q4 2025 | 13.02% | 0.62% | 0.71% | 6.13% | 3.06% |
| Q3 2025 | 12.97% | 0.73% | 0.52% | 4.54% | 3.04% |
| Q2 2025 | 12.83% | 0.75% | 0.47% | 4.18% | 2.93% |
| Q1 2025 | 12.80% | 0.61% | 0.51% | 4.56% | 2.85% |
| Q4 2024 | 12.70% | 0.77% | 0.64% | 5.90% | 2.77% |
| Q3 2024 | 12.68% | 0.52% | 0.55% | 5.15% | 2.76% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| North Easton Branch | North Easton , MA | 02356 | $273.9M |
| Norton Branch | Norton , MA | 02766 | $182.3M |
| North Easton Savings Bank (main office) | South Easton , MA | 02375 | $150.4M |
| South Easton Branch | South Easton , MA | 02375 | $123.4M |
| West Side Branch | Brockton , MA | 02301 | $116.4M |
| Bedford Street Whitman Branch | Whitman , MA | 02382 | $109.6M |
| Mansfield Branch | Mansfield , MA | 02048 | $101.7M |
| Main St Street Branch | Carver , MA | 02330 | $95.8M |
| Plymouth Street Branch | Halifax , MA | 02338 | $92.1M |
| Whitman Branch | Whitman , MA | 02382 | $90.7M |
| Grove Street Branch | Middleboro , MA | 02346 | $87.2M |
| Liberty Street Branch | Hanson , MA | 02341 | $76.3M |
| Plymouth Commerce Way Branch | Plymouth , MA | 02360 | $68.9M |
| East Side Branch | Brockton , MA | 02302 | $40.6M |
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 |
|---|---|---|---|
| April 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 2019 | Structure Change | Acquired Mutual Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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 35 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 281 applications, 140 loans originated, $57.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $15K approved, $15K 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 North Easton Savings Bank
What are North Easton Savings Bank's total assets?
As of the Q2 2026 filing, North Easton Savings Bank reported total assets of $1.84 billion in its FFIEC call report.
Where is North Easton Savings Bank headquartered?
It is headquartered in South Easton, MA, United States.
When was North Easton Savings Bank founded?
It was established in 1864, per the FDIC institution directory.
Is North Easton Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Easton Savings Bank?
North Easton Savings Bank's primary federal regulator is the FDIC.
What is North Easton Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does North Easton Savings Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Easton Savings Bank's Texas Ratio?
Its Texas Ratio is 10.96% 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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