# BANKGLOUCESTER
GLOUCESTER, MA · FDIC certificate 26536 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $386.9M | |
| Deposits | $304.2M | |
| Loans and leases | $334.9M | |
| Total equity | $32.6M | |
| Loans / deposits | 108.94% (p97 of band) | 82.04% |
| Liquid assets / assets | 11.29% (p7 of band) | |
| Uninsured deposits / deposits | 23.72% (p42 of band) | 25.97% |
| Brokered deposits | 2.69% | |
| Wholesale funding | 15.35% (p88 of band) | |
| FHLB advances / assets | 12.67% | |
| Tier 1 leverage | 8.70% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -5.59% (p59 of band) | -8.10% |
| AOCI / equity | 0.06% (p83 of band) | |
| ROA (annualized) | 0.42% (p10 of band) | 1.28% |
| Net interest margin | 3.76% (p41 of band) | 3.91% |
| Efficiency ratio | 83.20% (p91 of band) | |
| Noncurrent loans | 2.98% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 35.32% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 80.05% (p78 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 | capital falling | loans exceed deposits |
| 2012-09 | 3 | loans exceed deposits |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 1 |  | loans exceed deposits |
| 2013-06 | 3 | noncurrent p90, construction >100% equity |  |
| 2013-09 | 2 |  | noncurrent p90 |
| 2013-12 | 4 | loans exceed deposits, noncurrent p90 |  |
| 2014-03 | 3 | uninsured deposits leaving | loans exceed deposits, noncurrent p90 |
| 2014-06 | 4 | noncurrent p90 |  |
| 2014-09 | 2 | loans exceed deposits | construction >100% equity, uninsured deposits leaving, noncurrent p90 |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 | noncurrent p90 | loans exceed deposits, capital falling |
| 2015-06 | 3 | loans exceed deposits, charge-offs p90 | noncurrent p90 |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 4 | construction >100% equity | charge-offs p90 |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | loans exceed deposits, construction >100% equity |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | construction >100% equity |  |
| 2017-12 | 1 |  | construction >100% equity |
| 2018-03 | 2 | construction >100% equity |  |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 2 |  | loans exceed deposits |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | loans exceed deposits |
| 2020-06 | 4 | securities losses >30% of equity, charge-offs p90 |  |
| 2020-09 | 6 | capital falling, noncurrent p90 |  |
| 2020-12 | 4 |  | charge-offs p90, capital falling |
| 2021-03 | 5 | expense ratio p90 |  |
| 2021-06 | 4 |  | expense ratio p90 |
| 2021-09 | 5 | capital falling |  |
| 2021-12 | 3 |  | construction >100% equity, securities losses >30% of equity |
| 2022-03 | 3 | construction >100% equity | capital falling |
| 2022-06 | 2 |  | construction >100% equity |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2023-03 | 3 | expense ratio p90 | noncurrent p90, loans exceed deposits, liquid assets <10% |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 | noncurrent p90 | construction >100% equity |
| 2023-12 | 1 |  | expense ratio p90, capital falling, noncurrent p90 |
| 2024-03 | 6 | loans exceed deposits, liquid assets <10%, expense ratio p90, noncurrent p90, deposits shrinking |  |
| 2024-06 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2024-09 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2024-12 | 6 | capital falling | liquid assets <10% |
| 2025-03 | 5 | liquid assets <10% | deposits shrinking, capital falling |
| 2025-06 | 4 |  | liquid assets <10% |
| 2025-09 | 6 | wholesale funding >15%, capital falling |  |
| 2025-12 | 4 |  | wholesale funding >15%, capital falling |
| 2026-03 | 6 | wholesale funding >15%, uninsured deposits leaving |  |
| 2026-06 | 5 |  | uninsured deposits leaving |

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

- 2026-01-30 [New Chase Bank breaking ground in Rowley - thelocalnews.news](https://news.google.com/rss/articles/CBMihAFBVV95cUxQLVBZTXZsT3lZbGNLaF9UN1p3NThScFJ2S0RCZnJOd1luTXN2WTRtVTA2VVlGXzRpeU91a01IV1lKWTZvb2tVOWFnM0NFak80MmczTkVpVV9wZm5sY3BydkIydTdFcXJvZ25XNjM0eUE1VEJnTTZDeDJjeWRuYTAxb1lyZUo?oc=5) · thelocalnews.news
- 2016-05-15 [Patrick Thorpe - Banker & Tradesman](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1QS0JMMjZLWEJ3NmEwYnY1dTByQXIydFV2cHJVZmdEWEhfaTRBWE5oLXFsaUE2UG9oZkJWekR1TW9ZMEFudDBBVFFmWllJYWlDVlFad2VjSWZDQQ?oc=5) · Banker &amp; Tradesman
- 2024-01-15 [Muniz to chair BankGloucester board - thelocalnews.news](https://news.google.com/rss/articles/CBMifkFVX3lxTE04cnZQc2NaVktMZkh0VFVmaExDTlNHRkN4bFVpajFBYlYzb0VuZjcyVnF0d1JmWlV5TWpoQUlVZ2hraFFkT0ZwbHZNRzZvR1F0a25mOGxsaFpjRWtyd1BmNmMxSjJPQXNEZklCR3BJUk0td3BtVUE1Nm9uRkd0UQ?oc=5) · thelocalnews.news
- 2022-03-28 [BankGloucester announces the appointment of two new board members - thelocalnews.news](https://news.google.com/rss/articles/CBMipgFBVV95cUxQajJNZnRVTml6UDd5TXhPOXFHNjk2ZWtFajQ4UmVyYkhfdFJQdFl4SG9wQ2lOcDA2WHJVRTZwc3ItSlNoWmpHckZGUWwtNlhRYS14amJkMXcwTnFVMG8yX0JoSExsNVJnemFKM2xOTWFVdUJueEFuUGI0V0poTzhKR20wNEI2TkVuS0NrME0yQkRhS2Rhc210aXZOSnZfWTFYTXhPNVV3?oc=5) · thelocalnews.news
- 2024-02-25 [BankGloucester to exhibit art of Lynn Anne Maguire - thelocalnews.news](https://news.google.com/rss/articles/CBMikgFBVV95cUxNWVJnT2tQZlNkQnlneGg5aDBVM21KcVBGVk5KNW5XTmpmNWVzTGxlbFRsQm1FWnM0OE5lT3J5YWgzQk1sZVNQSGZZS2piUktrNDJBYWkxRFFmaTRWMWhLSnJmRldBdDhQNDZDZ2R2NDNlUjFhQXBxTWRBUWItVGZuZDNXN19rMmY0M25Jbkl4a181UQ?oc=5) · thelocalnews.news
- 2025-08-15 [Chase Bank meets water testing conditions, can now move ahead in Rowley - thelocalnews.news](https://news.google.com/rss/articles/CBMirAFBVV95cUxPbDBnckcxUzlMRm1ya2M3aGZSMW9YRDA1cnFkMlA5SmNnVEJxaG9EQXlCV2ZxbnJVRnZ0UUpUT290YUZjcklJSHZNYm1OcXVjTEhmanNCakpSYWlzOWR2OUpodVNKMHZNYjU1RjlUS2pRU3F5MzZOX1dEclg3QUNHR2NvaXdfbjNaUHROb29NcTdkOUlqT2EzWWUybFZTa2JzNlJxeXlDRURtRjRy?oc=5) · thelocalnews.news

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26536 (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/40.json (key "26536", 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