# BRISTOL COUNTY SAVINGS BANK
TAUNTON, MA · FDIC certificate 23622 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.26B | |
| Deposits | $2.64B | |
| Loans and leases | $2.73B | |
| Total equity | $469.6M | |
| Loans / deposits | 102.58% (p90 of band) | 87.10% |
| Liquid assets / assets | 12.63% (p12 of band) | |
| Uninsured deposits / deposits | 35.78% (p64 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.31% (p37 of band) | |
| FHLB advances / assets | 2.73% | |
| Tier 1 leverage | 14.40% (p91 of band) | 10.50% |
| Unrealized securities loss / equity | -6.00% (p59 of band) | -7.75% |
| AOCI / equity | -0.51% (p35 of band) | |
| ROA (annualized) | 0.63% (p11 of band) | 1.26% |
| Net interest margin | 3.40% (p31 of band) | 3.70% |
| Efficiency ratio | 77.07% (p90 of band) | |
| Noncurrent loans | 0.60% (p57 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p63 of band) | |
| Reserve coverage of noncurrent | 155.80% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 24.64% (p23 of band) | |
| Auto loans | $241.8M (8.85% of loans; DQ 0.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 539 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 1 | loans exceed deposits | capital falling |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 2 | loans exceed deposits, capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | loans exceed deposits |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | loans exceed deposits |  |
| 2016-09 | 0 |  | capital falling, loans exceed deposits |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 2 | loans exceed deposits |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 1 | expense ratio p90 | capital falling, loans exceed deposits |
| 2018-12 | 2 | loans exceed deposits |  |
| 2019-03 | 0 |  | expense ratio p90, loans exceed deposits |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | securities losses >30% of equity |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | losing money, capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | losing money |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 1 |  | losing money, capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | expense ratio p90 |  |
| 2023-12 | 3 | NIM <2.5% | capital falling |
| 2024-03 | 2 | uninsured deposits leaving | securities losses >30% of equity, expense ratio p90 |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 0 |  | NIM <2.5% |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | loans exceed deposits |  |
| 2026-03 | 0 |  | loans exceed deposits |
| 2026-06 | 2 | loans exceed deposits, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [People on the Move: Bristol County Savings Bank Names Martin VP/Senior Commercial Loan Officer - Go Local Prov](https://news.google.com/rss/articles/CBMiygFBVV95cUxPbVJPV1c2aGVQaFJZRkJ5cGdXc3k4ZTZwRk1XVEFSVDlWdW52aG1rdjBKVVpVaXpGSXpaTjJ4Tk9VM0JuTUdvSHdMS085UXRna2pCN29jZGNVVVNpaGJBa0RaZkJUb2dOMmRJWHMtLVBlTHgxQkVsQUhHMGZ5UFRISjFDWjdCcURXSjJDdVh3aXBSZHBNMDZLcmYtejF1ZGFwd2llY3JLM0tEQ0JiVzhETWI0WHdXWkR1amxGZUEyUG9nQWpfOU5ndWhn?oc=5) · Go Local Prov
- 2026-06-14 [Bristol County Savings Bank reports major growth - Taunton Daily Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxPY3BFOEJ0ejNPc1dWRzJ3RE5ETzhpWGVsWDF0Nk1saEpTTS1VeGUzc2FZQl84bV9FaENWR3U3enk3UmlOOUlXOWNsazAtY2NXUEJRZWgwcmQwcG0yZXBTV3A4bHIzZGFCZGVyUXFnYVF2OVZXRmIwRENpbURIUTNWY2VyckRyUGhWMGRZVVlVZXlDUzU3WEN6dU85WXo?oc=5) · Taunton Daily Gazette
- 2026-05-14 [New Bedford's Capitol Theater to become a community hub - SouthCoastToday.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQMDY4cEVFcmpIRHVrTlRWMWtsYlVPeVNPZnBPd01KOWp6WmtTekQwR0JqMTFvSFNrWEhNaUNUWnVsLV9LdW9qT3RUd3ZlVDNubDFjckVrQW1pNTlUUmNucmJWWDRoSkVrZ1BhR1VuaGpWSE80cnRIUkl0TkRNdGZ2MThGaXk3S1VzMnJiZVVfOURwVjNGLUpSaFZPQ054N3RmWlhnejZhS3V6Q0gxYVpiUC1tMEtfRFBvcTRjTWVCSEN6WlJZbmE3NHlhMkdhRWM?oc=5) · SouthCoastToday.com
- 2026-03-02 [Bristol County Savings Bank names Erik Lipus assistant vice president, branch manager in Attleboro - Providence Business News](https://news.google.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?oc=5) · Providence Business News
- 2025-11-10 [Bristol County Savings Bank donates $100K to local nonprofits for food relief - Fall River Herald News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQTGIzMGNUQmRBZHVOcUlDUk9Fd1VmMHhFZERuSGJJci1Rd1JHUWU2ZG1uUUh3OVNmZHNtMjQyXzlJTVBXT3hxSmVGLVFkMWZIZUdNbnlzOVAyTWlfMHl1cGkyRGY5M0cwdmVrLTZNQmRHTEdhVElXUnlTMzRwbTlVMkJZRDhveEhubDRnYm1faVFqNkZQQVlhNlhKb3phZV9iRUxFb1Q0QlZ5YlRRal9lbjNvTnRfdHBpVDZ0UmMyNEZEaHlZRTBaRm5YLXBxV3dTZ2c?oc=5) · Fall River Herald News
- 2026-05-07 [People on the Move: Bristol County Savings Bank Promotes Chaves to EVP and Chief Revenue Officer - Go Local Prov](https://news.google.com/rss/articles/CBMizAFBVV95cUxNRHhzR3ZOWnMzY0tpRDlSMUk5Z2Q0V3NXQ3c1V2d6dWp5bl92cTVvWFJVT3VUakxGQndqaDE0RHFPUVF3S2R5UUhqakxrQzRid2c2Q3Q0R0xUdTVyNHhMemNZY1JzbFdpNUxPR1B4dExnanN0WS00MVBwNXVXWnJiZXU1dDUwS1lxQmlYMkpBWFZaVkZNUEk1dU1kTENyVFBjZzJlQnVDQlF6cFRQak93YldxdDRVR0RFRGREZ1VuRXlnRUVqbG53dEdISHA?oc=5) · Go Local Prov
- 2026-05-10 [Bristol County Savings Bank rebuilds North Raynham branch - Taunton Daily Gazette](https://news.google.com/rss/articles/CBMiswFBVV95cUxPMVhxVXAyRmhkYUVkUWZGZzFQMUhFUXBRYnNRWXdDWnBaM1FNYy16X0dmT3BlUHU3cElkb2x4cVZCYWFGZnF3MWNUWTZ2VXRTY1RBOHNDWjRUREZCbWlFQldoT1RCZEM1ckxKLUJ4SDZOTnBnbW9HU01QdG9VQl93NE94VHZVZzZWc2hDVHRCRFBRaHdNdktycmFyV1g2RlhjeEhVelVOcm9ENEE4V1AyTmRLbw?oc=5) · Taunton Daily Gazette
- 2026-06-02 [Bristol County Savings Bank marks CARES Day with regionwide service - SouthCoastToday.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQem1UaHJVbzM1aEk3NWJzM2xxZ1dKU0Y3MDg0dC1XNjVhVi1YazVLWk15MFZ3c1pnM2w3RmV0MDdtZndSRmZVdnMxejVlZUo4UkVrclJpZTVLVVllTDVzb1N1aTFkSEgxSkROS3F3cm16c0k5Y3UtMEdmRGtya2JkcnpQNXhEMnZkTTd3ejNFVVV0TDM0NFo1UE5hMHJJQjdTTFVCTzByTk1seU0tOHFqWWJxUlZ1eFJ3eEt3NEZVQ1gzMWJPZE1v?oc=5) · SouthCoastToday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23622 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "23622", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide