# ABINGTON BANK
ABINGTON, MA · FDIC certificate 26549 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $319.5M | |
| Deposits | $272.3M | |
| Loans and leases | $239.7M | |
| Total equity | $33.7M | |
| Loans / deposits | 87.50% (p56 of band) | 84.98% |
| Liquid assets / assets | 18.60% (p34 of band) | |
| Uninsured deposits / deposits | 19.38% (p41 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.57% (p45 of band) | |
| FHLB advances / assets | 3.57% | |
| Tier 1 leverage | 10.13% (p41 of band) | 10.59% |
| Unrealized securities loss / equity | -1.02% (p32 of band) | -0.32% |
| AOCI / equity | 0.91% (p45 of band) | |
| ROA (annualized) | 0.45% (p9 of band) | 1.08% |
| Net interest margin | 3.71% (p49 of band) | 3.73% |
| Efficiency ratio | 84.60% (p92 of band) | |
| Noncurrent loans | 0.45% (p45 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 138.14% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 72.36% (p76 of band) | |
| Auto loans | $277,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 2 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | construction >100% equity, uninsured deposits leaving |  |
| 2014-09 | 2 |  | construction >100% equity |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | construction >100% equity |  |
| 2015-06 | 2 |  | uninsured deposits leaving |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | construction >100% equity |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | expense ratio p90 |  |
| 2019-03 | 1 |  | reserve under noncurrent |

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

- 2026-02-12 [North Shore Bank and Abington Bank rebrand as TruNorth Bank - Enterprise News](https://news.google.com/rss/articles/CBMixgFBVV95cUxOdWFhOGhlVjNBWE4xcXJNU3ZiV0dwb0o0TmxCdXNwN0pWV3hPYmk4b2JPQlF6SXFPODRKWndQeDNFalVLMEY0SjN1VzRhSXlvUzRyQXJpODJ0MURsLUlCZXkwTHdxMEFwZllFeU5Hb0NsN1FFNFpReUxKQUc0LW1jRFlMZHNlQXhjdzNJY1JnbUIyX2p0S3RUYlBWM09DUkxKb1NEUU1JTlZOU1I4SHZpdkFSV0UyTllWdERUTjhmcXFxX2xNX0E?oc=5) · Enterprise News
- 2024-09-23 [North Shore Bank and Abington Bank Complete Merger - PR Newswire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQUjBRUVpHb0R6TDRYaFNqWmliQ0EzNG5pYWdHWnJ6UDUwZkJmSGJwM1hTU29ZWkJTVmtRWnpwaXFVNW1oQXZjUThfZE5XVEhkRThnNHNjY2tlOW5ZNUZ2d3JXUFVzUjdiaGRFQ1g3SzBwZXVIeXQzMXhKRnJLYVljaU5yOF9VN29GZGM1cEZiMHNjcVcxbVA3ZGhJQk43N1c5VU16RVdWbU5xQQ?oc=5) · PR Newswire
- 2025-09-19 [North Shore Bank merger approved by shareholders of Quincy bank - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOUEVweHVlRTdPN2VianpWM0FKVExpQ01mZ2loNGFmdEtuRVNmRlMtQ1kwc0NZYW5EeWNZWkhpVUFVRzZjWkNyeDhRQXpjLXJsOTY3TUZQYjVCSlZCQ012bTlMcl9udm5KUUoyWThBMzRidkJ2Y1NPd3drN3Nyd0pnbHpFekFVa1U3clNJR1lMTmRWOXJJckdYWHUtOHY?oc=5) · The Business Journals
- 2024-02-15 [North Shore Bank and Abington Bank to Merge - PR Newswire](https://news.google.com/rss/articles/CBMioAFBVV95cUxQalZLWXJSMFU2SGF4blRxNjZacW9XcV9iUkhQWlRhUGwyTDdPZGI1RzJidnMySlZMNHBscjJfNjVMcHBNUjRPR0ZGRHdsUldDVmFBSktYMzVNYXFKTjY0Y21xbXhBbnNtcGhRSWRtUGw4dEFVdm04ZmVLaVJuSU9SdHlXaW9iNWgwOHNhZFkydXBwUjlfbXZNRDRPTGI3bXh6?oc=5) · PR Newswire
- 2024-02-16 [With North Shore Bank, Easthampton’s parent of bankESB grows to $6.4 billion in assets - masslive.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOdkRoVnRISzZiS0xpSjdPMDNlV0M1MVZyLVlrSlNVc3pHcF9TeUpZNHdBVDI3SFpLTFREQnJtbDdtMEwybE82SkpDLXlnVEpJT21xLVhFNW1oOGpKX2F5UVhCNWdDaVRBVVlvRVhJa0YzZmo0dkJNX2ktWnJfZmVEb3liMUwxaC1sUXViR1RYZFlJTW4tWC1NWlhHd0E1UGRCUmM4N2pKWTJxUVdscnIxT19oUGNUNng1a0g5TGdmZ1NHc2E3MUlyQg?oc=5) · masslive.com
- 2011-11-25 [MASS. MOST WANTED: Abington bank robber - The Patriot Ledger](https://news.google.com/rss/articles/CBMipAFBVV95cUxNLU04V1V5WWVUbU9RTmtRWlRuSTZEeWpDYVpybGYtS2ZFOVpDLTlvdWVoWE5QRGdESlRKQzFzVjlaZ0ItdlJoTDgyYWpseU56TFZmNDlfZTlxQXR6d0cxeWFCWGxZcExyZmZFdVhraXdaSjBZTnQ4dVd5N1RyZl9uR25xRlZBWk56LS1JZUhnUW92ZGFZYXB4akxfZHhsVXRqZjliXw?oc=5) · The Patriot Ledger
- 2024-02-16 [Abington Bank to merge with Peabody-based bank - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQT1REUmJHVFBra254NExwXzYtUl9WUEFvRGtHV0hDSmFJOF9NV0VUU3c3M2FMbjFpZG9tVG53YzZyTDZDODdfQUlDMlBjRVdfWk9yTHh6bHFMT2N1SGtaRWswY3J0NkFmOVBBVjVELXN2ME9nd1c5dEFIWkxTVjI0Y1paQWRXem00Y0hz?oc=5) · The Business Journals
- 2019-05-20 [Hometown Financial Group, Inc. Completes Merger of Abington Bank and Pilgrim Bank - PR Newswire](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPT1V0MWlvMEJzckRuSGVWT0hVT0toUnI1cnk0UGQzVkFIUk4tZ0I2Zll2aVFtNmV6SWJRNFRWVmdiSFdKTm5BMEYtblhHdGFoeTJXZVQ5X2FsZXNYSUpOZ29uU1c5S2ZTRThTVkt6Y0FkaGdXMzFxVFVWTElIX3ZJbFFvVkZYaXFKaHZtQTNkc24tM3N5RmR6WTFJZUxfMDJiVDBSNEJKcWZlUUMxLWhXaXY4bWZSa1VrQjk4RWFnR3ZoQks1RmhjSnBjNjRnWkJG?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26549 (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/53.json (key "26549", 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