# BANK OF EASTON
NORTH EASTON, MA · FDIC certificate 26554 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $249.0M | |
| Deposits | $222.5M | |
| Loans and leases | $123.5M | |
| Total equity | $24.0M | |
| Loans / deposits | 55.22% (p25 of band) | 73.59% |
| Liquid assets / assets | 46.98% (p75 of band) | |
| Uninsured deposits / deposits | 27.06% (p75 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.67% (p51 of band) | |
| FHLB advances / assets | 0.67% | |
| Tier 1 leverage | 10.26% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -9.41% (p41 of band) | -6.57% |
| AOCI / equity | -0.93% (p29 of band) | |
| ROA (annualized) | 0.71% (p26 of band) | 1.17% |
| Net interest margin | 2.21% (p3 of band) | 3.93% |
| Efficiency ratio | 59.22% (p33 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 33950.00% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 2.85% (p25 of band) | |
| Auto loans | $851,000 (0.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | losing money, expense ratio p90 |  |
| 2013-06 | 2 | NIM <2.5% | losing money |
| 2013-09 | 1 |  | expense ratio p90 |
| 2013-12 | 0 |  | NIM <2.5% |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | capital falling, NIM <2.5% |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | NIM <2.5% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | NIM <2.5% |  |
| 2020-03 | 1 | capital falling | NIM <2.5% |
| 2020-06 | 2 | NIM <2.5% |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-05 [Joan A. Mendes Obituary - Enterprise News](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1SRTRXYUpVV1M5TEpHWjN4d1l3cGtFRDN5R0E5MF85NTlDYUpNck8wcWNwaEtjNGhrempGc3RFTS1YdjJwR0N2VEhNSmxTSVZULS1ieUJ2V3RTVEJLLWEza2w0RQ?oc=5) · Enterprise News
- 2021-01-19 [Craig Binney joins Bank of Easton board of directors - Wicked Local](https://news.google.com/rss/articles/CBMixwFBVV95cUxQX2xNaTdWMnZNLXpVS0R1WkwwOXJFQTJ5ZTdTeWJORkliMlZCT1JCSlZzblhWdmZGSWF5eS1kWGJyVUdSUEVLRjBaVmhXQVptM0JjeTlsby1rQjM1bV9FZ2hscHZaMVFUQVRjaURuejZ3NUxkOEdFVWlRRWt1dkFGcGd1dkVLbE9uNUNLcWFkWlFpejJ6S0dVMUZQZHpSTGN2cGs2R25QaWU5MjNGTDYzeUlKY0pVaGZ6dy1kMzU1UllvajJ6MXR3?oc=5) · Wicked Local
- 2011-05-12 [Falling for $50 scam costs Easton bank teller her job - Taunton Daily Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxNUzc5VEszWEFZeFpyWXk5elQ2U3dSYTdkNU10MDFNSWI4WG1mVlpWZ0daWVpyOWF1MHFFQXlSOFY1cGV5V2VfeWRyU2hkUVRUcl8wYS1DMlhqOTZKWTZYZVF0aV92dElXTWJZaTBVN2x2WWt4X0tiZzZkbG9LbGVLd3NOejVXMlhvdUY4bW1McDJoMUNhTVJ1Z3U0SHhEUQ?oc=5) · Taunton Daily Gazette
- 2018-07-01 [Joseph Cook Obituary (1942 - 2018) - Easton, MA - The Enterprise - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeFRzcllvQnRIYnctdHZJSVgyMExpNHFhWnoyRDFXaDhJUFpXcll5TXM4REtVZVZzMGRNQi1QWmlLaGd3RnoxRG9EczF5QURHZzdKeU9DMWRSMHpWdVE1d2FCSmNPNl9FLS1HT09YLVhaREFCdFpMTzJMNk5RVTJPZjQyRzVEVmhpS2FXZ3hjeXU5T2dhVHIwTHI0N01sTy01?oc=5) · legacy.com
- 2018-03-19 [OLIVER AMES DIES AT 64.; He Was President of Plow Company of North Easton, Mass. (Published 1929) - The New York Times](https://news.google.com/rss/articles/CBMiswFBVV95cUxPcXBGZXRMMEtKTF9iQXJ5M3Fpbm9Ec1h1N2FIUGRJc3hKLV9YWUhRYmhBLUdoSEJtdXR3dkp0NWp4RVgwVjI2MmNoa3FuY1JlWmRNall1a0EyV1ExeHBIaHlEd0RWVGgzbU1PNF9hWGhyXzJFbHZlajhKbEc0emQ4cThyclI4TFowWHZHMVVQaUNsc3R3S2o3WXdiYmZTU3dXWGc3aVNCdktrY0J2WFFlX0FqOA?oc=5) · The New York Times
- 2021-10-12 [James MacDonald Obituary (1949 - 2016) - East Bridgewater, MA - Journal-News Independent - legacy.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNNWNGMklnLWZPNThpNTV5aFhfTTdHdndtZ2FLR1djdzE5cUZDTVVCS29kWTdZRkRDclpDd0Rvb1M1VE8xYVdBT1FkcEM0dHMxRWpnTVVseE5TRU9BclJzT2s0Qml2NHNUY0dEaENHT0ZBV1VnblNkZnh2YmRQb1BsYVFLdGJ6akt5YXpIMUluUkpMWHRTMFpCN1Z2ZHpTa216cWdYRGdEdGQ?oc=5) · legacy.com
- 2021-10-10 [Scott Ducharme-DeCosta Obituary (2008) - Brockton, MA - The Enterprise - legacy.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxONzgyTnNaX2ZvbDJBckRvWlN3bS1nTVVldmtFOHh0eVhTYzZCVTJJTEhoUldpdlNRZmZ4Y0tjMDVuakExdGI4QUVEeUczUmlxNmxKRTFHaTc1b2UxTk9UYmY1cGQtZlUwY2M4N1d0Yl9pVHQ1bnlDNXd4ZGN3REQ3U2d6SzJiQ29mdVZNLUVsMXVHc2MtR1g3ZnlPUElCUjFfWlUwaHJxaXd6TW5OMTg4?oc=5) · legacy.com
- 2009-03-19 [Edward Guest Obituary (2009) - South Easton, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQYXB1VWpFb0I3OEp4RjY1a2wzbjlGdjNYTXFaa3lsQzFTN3lKV1FJT2g3NkJZeEJ2WjdPWU5lTDJOUU55LUo2ZXA3ZHZqUEtOUHU0QmZMNHIxblEyMkhKczVtX2xYNXZXVFZDZmx1RDlWUnVFa2hoTTlNcFp1YzhsVE9jTmR4LWIwdnNsbGpnaV8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26554 (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/58.json (key "26554", 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