Trunorth Bank
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Data as of · sourced from FFIEC call reports. How we update
Trunorth Bank is an FDIC-insured commercial bank headquartered in Easthampton, MA, established in 1869 (FDIC certificate 90188), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.02B, down 1.5% from Q2 2025, the 25th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 12.06% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 90188
- Headquarters
- Easthampton, MA
- Established
- 1869
- Total assets, Q2 2026
- $2.02B
- Assets vs Q2 2025
- -1.5%
- CET1 ratio, Q2 2026
- 12.06%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 211870935
- Holding company
- HOMETOWN FINANCIAL GROUP, INC
- Asset rank in state
- 25th of 89 in Massachusetts
Trunorth Bank spends more to run itself than most banks of its size. It reported $2.0 billion in assets at June 30, 2026, down 1.5% from a year earlier. It earns about $0.21 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 6.2% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Earnings fell sharply: quarterly net income of $1.1 million was 62% below a year earlier. Its $456 million non-owner-occupied commercial real estate book is improving, with 5.02% past due or on nonaccrual, down from 7.01% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.5% of the capital and reserves that would absorb them, 3.5 times the median of 3.6% for banks its size.
As of June 30, 2026, Trunorth Bank reported a CET1 capital ratio of 12.06%, a return on assets of 0.21%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 12.52%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Trunorth Bank is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $2.02B, loans rose 0.1% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.5% of total loans, followed by non-owner-occupied commercial real estate loans at 28.5%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities in MA; its Easthampton 2 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trunorth Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 36 Main St, Easthampton, MA 01027
- County
- Hampshire
- Metro Area
- Amherst Town-Northampton, 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 051
- Established
- February 10, 1869
- Former names
- Bankesb (2024-2026); Easthampton Savings Bank (2008-2024)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 261
- Domestic deposits
- $1.76B
- Allowance for credit losses
- $18.6M
- Net charge-offs (YTD)
- $644K
- Average total assets
- $2.01B
- Average total loans
- $1.60B
- Average interest-bearing deposits
- $1.56B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 5, 1985
- FDIC Cert
- 90188
- Fed RSSD
- 859002
- Website
- http://www.bankesb.com →
- Parent Holding Company
- HOMETOWN FINANCIAL GROUP, INC (RSSD 3728958)
- Ultimate Parent
- HOMETOWN FINANCIAL GROUP MHC (RSSD 3728930)
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, Trunorth Bank's total assets ranged from $1.90B (Q3 2023) to $2.05B (Q2 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.02B total assets against $2.05B; $1.82B total liabilities against $1.85B.
$1.58B net loans and leases against $1.69B; $1.76B total deposits against $1.76B.
$204.8M securities against $199.9M; $110.6M cash and balances due against $36.3M.
$24.7M total interest income against $24.6M; $9.2M total interest expense against $10.5M.
$15.6M net interest income against $14.1M.
$2.6M total noninterest income against $2.6M; $13.8M total noninterest expense against $10.9M.
$3.0M provision for credit losses against $1.8M.
$1.1M net income against $2.8M.
0.21% return on assets against 0.55%; 3.28% net interest margin against 2.91%.
12.06% CET1 capital ratio against 11.48%; 9.82% tier 1 leverage ratio against 9.83%.
Inside the full Trunorth 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.
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.
Trunorth Bank rankings
Its closest position to the top of a national ranking is 440 of 3,640, for Texas Ratio; its furthest is 3,447 of 3,611, for ROA.
Banks merged into Trunorth Bank
- TruNorth Bank, effective August 22, 2026
- Bankhometown, effective August 22, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.55% (Q4 2025) to 0.84% (Q1 2026) and its net interest margin ran from 2.47% (Q4 2024) to 3.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.06% | 0.21% | 1.67% | 12.52% | 3.28% |
| Q1 2026 | 11.86% | 0.84% | 0.88% | 6.66% | 3.21% |
| Q4 2025 | 11.53% | -1.55% | 0.86% | 6.78% | 3.09% |
| Q3 2025 | 11.88% | 0.74% | 2.15% | 16.32% | 3.06% |
| Q2 2025 | 11.48% | 0.55% | 2.10% | 16.78% | 2.91% |
| Q1 2025 | 11.56% | 0.49% | 2.39% | 18.54% | 2.66% |
| Q4 2024 | 11.26% | 0.39% | 2.55% | 20.39% | 2.47% |
| Q3 2024 | 11.48% | 0.56% | 0.93% | 7.14% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Bankesb | Easthampton , MA | 01027 | $764.4M |
| Northampton Branch | Northampton , MA | 01060 | $182.9M |
| Southampton Branch | Southampton , MA | 01073 | $138.0M |
| Westfield Branch | Westfield , MA | 01085 | $131.3M |
| Hadley Branch | Hadley , MA | 01035 | $131.3M |
| Granby Road Branch | South Hadley , MA | 01075 | $100.0M |
| Easthampton Savings Bank | Easthampton , MA | 01027 | $97.2M |
| Agawam Branch | Agawam , MA | 01001 | $88.5M |
| Belchertown Branch | Belchertown , MA | 01007 | $64.2M |
| Holyoke Branch | Holyoke , MA | 01040 | $39.2M |
| Amherst Branch | Amherst , MA | 01002 | $20.6M |
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 |
|---|---|---|---|
| August 22, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2026 | Structure Change | Acquired TruNorth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2015 | Structure Change | Acquired The Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 6, 2022, Federal Reserve: Civil Money Penalty: Easthampton Savings Bank, Easthampton, Massachusetts
- Period: Most recent institution action July 6, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MA, rank 33 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K 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
- Mortgage lending (HMDA), 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 Trunorth Bank
What are Trunorth Bank's total assets?
As of the Q2 2026 filing, Trunorth Bank reported total assets of $2.02 billion in its FFIEC call report.
Where is Trunorth Bank headquartered?
It is headquartered in Easthampton, MA, United States.
When was Trunorth Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Trunorth Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trunorth Bank?
Trunorth Bank's primary federal regulator is the Federal Reserve.
What is Trunorth Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.06% in its Q2 2026 call report, above regulatory requirements.
How many branches does Trunorth Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trunorth Bank's Texas Ratio?
Its Texas Ratio is 12.52% 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.
What was Trunorth Bank previously called?
The charter now named Trunorth Bank has also operated as Bankesb (2024-2026), Easthampton Savings Bank (2008-2024), per FDIC structure-change records.
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