The Bank of Canton: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1835, The Bank of Canton is among the oldest continuously operating FDIC-insured banks, headquartered in Canton, MA, during the Second Bank of the United States era. The Bank of Canton's Q2 2026 balance sheet shows $783M in assets funded primarily by $661M in customer deposits. Earnings are mid-range, 0.87% ROA and a 3.53% net interest margin. Regulatory capital is solid, 22.99% CET1 and 24.24% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.90% NPL ratio. 6 branches make up the footprint.
As of June 30, 2026, The Bank of Canton reported a CET1 capital ratio of 22.99%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.90%, a Texas ratio of 3.99%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 490 Turnpike St, Canton, MA 02021
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 4, 1835
- Former names
- The Bank of Canton (2004); The Canton Institution for Savings, The Bank of Canton (1989-2004)
- Offices
- 6 domestic
- Employees (FTE)
- 106
- Domestic deposits
- $661.1M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- -$28K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 1985
- FDIC Cert
- 90175
- Fed RSSD
- 853804
- Website
- www.thebankofcanton.com →
- Parent Holding Company
- MASSAPOAG BANCORP INC. (RSSD 3259528)
- Ultimate Parent
- PONKAPOAG BANCORP, MHC (RSSD 3223855)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Canton terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Canton, freeThe Bank of Canton rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.99% | 0.87% | 0.90% | 3.99% | 3.53% |
| Q1 2026 | 22.53% | 0.13% | 0.89% | 5.48% | 3.62% |
| Q4 2025 | 22.35% | 0.92% | 0.01% | 0.04% | 3.72% |
| Q3 2025 | 22.57% | 0.90% | 0.03% | 0.12% | 3.81% |
| Q2 2025 | 22.92% | 0.76% | 0.04% | 0.20% | 3.79% |
| Q1 2025 | 22.96% | 0.76% | 0.03% | 0.16% | 3.80% |
| Q4 2024 | 22.51% | 0.85% | 0.20% | 0.96% | 3.86% |
| Q3 2024 | 22.10% | 1.11% | 0.20% | 0.96% | 4.04% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Washington St Branch | Canton , MA | 02021 | $400.8M |
| Turnpike Street Branch | Canton , MA | 02021 | $109.9M |
| Randolph Branch | Randolph , MA | 02368 | $82.2M |
| Mcgrath Highway Branch | Quincy , MA | 02169 | $68.2M |
| The Bank of Canton | Canton , MA | 02021 | $0 |
Regulatory record
What the public regulatory sources show for The Bank of Canton, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MA, rank 69 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 369 applications, 253 loans originated, $156.5M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Bank of Canton’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Bank of Canton with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Bank of Canton
What are The Bank of Canton's total assets?
As of the Q2 2026 filing, The Bank of Canton reported total assets of $782.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Canton headquartered?
The Bank of Canton is headquartered in Canton, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Canton founded?
The Bank of Canton was established in 1835, per the FDIC institution directory.
Is The Bank of Canton FDIC-insured?
Yes. The Bank of Canton is an FDIC-insured commercial bank (FDIC Certificate #90175). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Canton?
The Bank of Canton's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Canton's CET1 capital ratio?
The Bank of Canton reported a Common Equity Tier 1 (CET1) capital ratio of 22.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Canton operate?
The Bank of Canton operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Canton's Texas Ratio?
The Bank of Canton's Texas Ratio is 3.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Canton previously called?
The charter now named The Bank of Canton has also operated as The Bank of Canton (2004), The Canton Institution for Savings, The Bank of Canton (1989-2004), per FDIC structure-change records.
Go deeper on The Bank of Canton.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Bank of Canton, freeFree account