# BANKPROV
AMESBURY, MA · FDIC certificate 90141 · asset band $1-10B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $1.49B | |
| Deposits | $1.25B | |
| Loans and leases | $1.27B | |
| Total equity | $215.9M | |
| Loans / deposits | 100.06% (p86 of band) | 86.09% |
| Liquid assets / assets | 10.28% (p6 of band) | |
| Uninsured deposits / deposits | 41.27% (p77 of band) | 30.69% |
| Brokered deposits | 10.06% | |
| Wholesale funding | 10.56% (p66 of band) | |
| FHLB advances / assets | 0.30% | |
| Tier 1 leverage | 14.18% (p91 of band) | 10.36% |
| Unrealized securities loss / equity | -0.72% (p88 of band) | -8.45% |
| AOCI / equity | 0.19% (p11 of band) | |
| ROA (annualized) | 0.73% (p22 of band) | 1.10% |
| Net interest margin | 3.66% (p59 of band) | 3.55% |
| Efficiency ratio | 76.19% (p86 of band) | |
| Noncurrent loans | 2.71% (p96 of band) | 0.48% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 59.34% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 13.85% (p13 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $252.2M (117% of equity) (p99 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 176 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 2 | wholesale funding >15% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | brokered >10% |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | wholesale funding >15%, brokered >10% |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | wholesale funding >15% |  |
| 2017-09 | 3 | loans exceed deposits |  |
| 2017-12 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2018-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-06 | 1 |  | liquid assets <10% |
| 2018-09 | 2 | liquid assets <10% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | wholesale funding >15%, charge-offs p90 |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | wholesale funding >15% |
| 2019-12 | 3 |  |  |
| 2020-03 | 6 | wholesale funding >15%, noncurrent p90, reserve under noncurrent, loans-to-lenders >50% equity | charge-offs p90 |
| 2020-06 | 6 | capital falling | wholesale funding >15% |
| 2020-09 | 6 |  |  |
| 2020-12 | 6 | uninsured deposits >50%, run vulnerability | noncurrent p90, reserve under noncurrent |
| 2021-03 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2021-06 | 4 | charge-offs p90 | capital falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | charge-offs p90 |
| 2022-06 | 5 | loans exceed deposits, charge-offs p90 |  |
| 2022-09 | 7 | capital falling, losing money, noncurrent p90 | loans exceed deposits |
| 2022-12 | 10 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50%, run vulnerability, capital falling, noncurrent p90 |
| 2023-03 | 8 | noncurrent p90, reserve under noncurrent | losing money, loans exceed deposits, liquid assets <10%, assets shrinking |
| 2023-06 | 5 |  | deposits shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 6 | expense ratio p90, deposits shrinking, uninsured deposits leaving | charge-offs p90, noncurrent p90 |
| 2024-06 | 11 | loans exceed deposits, noncurrent p90, charge-offs p90, reserve under noncurrent, assets shrinking |  |
| 2024-09 | 9 |  | uninsured deposits leaving, charge-offs p90 |
| 2024-12 | 1 |  | brokered >10%, wholesale funding >15%, expense ratio p90, deposits shrinking, loans exceed deposits, noncurrent p90, reserve under noncurrent, assets shrinking |
| 2025-03 | 8 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2025-06 | 7 | brokered >10% | wholesale funding >15%, deposits shrinking |
| 2025-09 | 6 |  | liquid assets <10% |

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

- 2025-11-17 [Needham Bank, BankProv merger official - newburyportnews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOcjdHVHBUamphM2Z4N2c5MFNsVWVzSXBFaGxvLV9mdkVYLXQ0Qkx5MmVVaWhGVE5TYmR2U3dqU1IzRzA5bVZCa2hvWGlqbVdYd0w0UHZwQTFOWWdpYXhvOElSUjdWamk5dVhkX1B4QzJpZmZxYjYxY1hhczd4ZlFxUzZnX29CZ1RiSEpwVmo3YkJ4Uy1LaUF0T21rdmZtTEc4SXVGeE1sRlJiTnZtOE9lMUR5MTZOc0lzazczU0NFeDhwSHNsWHd1Q3VwT2dJTUNB?oc=5) · newburyportnews.com
- 2025-06-09 [Needham to acquire BankProv for $212M - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxOMkpqWWVtdzFJNk5LclFrMDJzNHlwZEtweUlla0xwNVNwejBMNkFpV1ZnZlpIOHFjLTFYaFE2Z1VwcmZ0bndZaGVUdkZTT3RqQmY4QmYwY0tLWTVNUzJvUUgxYUJBS2RFYmdua3F1aW1STnE3WVZheEhyaEl3UFlYV0h3Y1FEUU84UFpOVXdJZ3FKSk0zVHZwTTFWektwV0c0YTZuSTF3?oc=5) · Banking Dive
- 2025-06-06 [Needham Bank to acquire BankProv to expand market reach - Retail Banker International](https://news.google.com/rss/articles/CBMihwFBVV95cUxNY2czTUczV25HZ0c0Vk5ad0tCamNnMmlyRGcyWktlLXNkX2ljY21RVmRIWFFoZEx3X1J0eGQxNTVvbWxETFJyU2Zielh0b3JMb21qbzd3R3dCMTRfNDRUTTh4LW5fMXIyRHN4YlhFQ2d2SjNQZ2RsZ09EZWVyYm5PNEdRZl9pTjA?oc=5) · Retail Banker International
- 2025-06-05 [Needham Bank to acquire North Shore-based community bank for $212M - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRXhFbjR1Rkc4emRJcVpDVXAtRTZKUS1scEt4NVdZcTQ1S2ZXSElVeHAwMGFQVm9tLU0xanM4b2hXUWJqUWt6cnlYemNrVzh5Y204eHpNSW9OZjdJTWFvRlhpZjh1RXN0ZlItNHZveEtmdWl6RDBnbXpaM3d4VjdRSjlUVzNWa0VlRElFRWtTbVpVSzQ?oc=5) · The Business Journals
- 2025-06-05 [Needham Bank reaches $212 million deal to acquire Merrimack Valley bank that had suffered from bad crypto bet - The Boston Globe](https://news.google.com/rss/articles/CBMiekFVX3lxTFBkYW8yTUdWMXBBWlQwaHVvbGVPcEtmRGpEWEV4SVI2M2lSRlpQU0NqeW9xUkl5ZGFIQXFSaUU0R3d0aDBsVmN6VXNRWFNIeGRqZnE1ZVF3RElfYWJfZGlRWGF6aWRnSGNzWmtuT1huaW9uRHBrQmVsRU93?oc=5) · The Boston Globe
- 2023-01-04 [BankProv CEO resigns months after bank’s crypto-loan loss - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOOXFTejlJeXliWUJfUlp3TGZZQ1NRakJXNld4Q2pIbHZ0ckNFaDF1RHlqdkt0MmdMeWFlMWRtamxPM0VxdjZXS0F1REtORU1lTkd3bXJYbmhHWUJ5YzRaZmF4REpaeEt1dld0MWprc3Y0anhCNUJpMDloMHFqcklVbjhVVUk2RWdwaGh0XzV2RkpmT1d1STY0WnNJZmJ3NUJqWG5id2JmZjhLQQ?oc=5) · Banking Dive
- 2024-10-20 [Sale and financing secured for two hotels in Devens, MA - JLL](https://news.google.com/rss/articles/CBMikwFBVV95cUxNcXcxdXZ4S2Zqd2ZhSWNxaVN3bmYyOVl5NEJKRThmelF5aTkzZC1qb3V5SU1JaXpocWFxSVZGNGlwUHE4U0swbmtRVWE1QzEtOWhQcGJNNUFqdDhhcVpFTzctd01ZREJnVG9vX2lQRHVDSkZFUHNjeUc3VlZjeUU4YkN2T29yeG9kUE1Eb0I3dllEc1E?oc=5) · JLL
- 2025-11-17 [Bank branches to be renamed after Needham Bank closes first acquisition in 18 years - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPb3RES3pybmw4cHNBSTUzVHJFTWs5MWkxbFNoVmV3Z3Fid0N0RUxKMFJwVDJnMjdabloxZHFNZlBRM2dwV2J4dXZKNV9kY1JyUF9QTWszRmV3OU9lTHVrdDlUN3NqVUdTX0JydjRtVFRJZ25HYk0zVjF6Z0pQQWMyX09YQjFpbW1PM3YwNlNYS0xrNHE4cjFTMDhwYUFhSE94REE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90141 (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/29.json (key "90141", 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