# BLUESTONE BANK
RAYNHAM, MA · FDIC certificate 90169 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.62B | |
| Deposits | $1.32B | |
| Loans and leases | $1.19B | |
| Total equity | $131.8M | |
| Loans / deposits | 90.00% (p60 of band) | 87.10% |
| Liquid assets / assets | 22.80% (p57 of band) | |
| Uninsured deposits / deposits | 35.49% (p62 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.00% (p65 of band) | |
| FHLB advances / assets | 10.00% | |
| Tier 1 leverage | 9.52% (p23 of band) | 10.50% |
| Unrealized securities loss / equity | -28.03% (p11 of band) | -7.75% |
| AOCI / equity | 0.39% (p91 of band) | |
| ROA (annualized) | 0.30% (p5 of band) | 1.26% |
| Net interest margin | 2.43% (p5 of band) | 3.70% |
| Efficiency ratio | 83.08% (p95 of band) | |
| Noncurrent loans | 1.04% (p74 of band) | 0.51% |
| Net charge-offs (annualized) | 0.12% (p78 of band) | |
| Reserve coverage of noncurrent | 59.19% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 100.38% (p87 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 159 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 1 | expense ratio p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | capital falling | expense ratio p90 |
| 2016-09 | 2 | expense ratio p90 |  |
| 2016-12 | 0 |  | capital falling, expense ratio p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | expense ratio p90 |  |
| 2017-12 | 0 |  | expense ratio p90 |
| 2018-03 | 1 | expense ratio p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 3 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | construction >100% equity |  |
| 2023-12 | 5 | NIM <2.5% |  |
| 2024-03 | 2 |  | capital falling, expense ratio p90, construction >100% equity |
| 2024-06 | 3 | construction >100% equity |  |
| 2024-09 | 4 | expense ratio p90 |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | deposits shrinking |  |
| 2025-12 | 3 |  | securities losses >30% of equity, deposits shrinking |
| 2026-03 | 4 | reserve under noncurrent |  |
| 2026-06 | 5 | capital falling |  |

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

- 2026-02-17 [Banking Merger With Cape Connection May Soon Move Ahead - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxNT0xhU1BCUlR4V3diMGdCMkVhc29FeEt3a2g2VGpDeTllbGZ4MklUWWVibEFQR0xQVThxUjhab1lJOEdkWnFRV0JQUTJPd2EzZ05iNnJnRTVDYlNGZ0d0UHJPcFMzVXEwTmNjMGt5Q1lWdV82VWM1VEh0aWtCS252X25BUzE5TU9DRUhCZ2hIVkpMbWdrWlotdENVaDQ3R3VXYUdN?oc=5) · Patch
- 2023-03-23 [Bluestone Bank Announces Meg McIsaac as New President and CEO - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQTmctb0JsZXpPVGltQW93TDhDazFsRWM4SEt1T0VLYmdodGZoZVVOeWgyaTFtcjhrUWdMMUp3WFF6WFVyT3k2TDE3emxNMXY4VXhFN3FRY0h3aFZNSkZEcDNvU3NGWnRyS2Zid1NjSnZYbzlpWVptd0ZZc0tnQ2NMczdqSFJULXRrZ2Yza0p1VWM3ZTFsY2g3SjE3Q2t0N2p6Ui1UMG5qZ2I0Y0xxRjhNOGNaVmEtWFg5?oc=5) · PR Newswire
- 2021-02-18 [Bluestone Bank completes banking upgrades - Wicked Local](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNNzdkZmlNaHVLZzRrWDlURnRBbXNMcFpuR3poYkdWY0tZTDlldGpFR01QVTYzRWMzMW42NzF1VDlCV3A5eFlTY1ZfR0tjdExnZERidUoyQ3dCbEJrMGl1eGNELXY4SFpLb3QyRmVsMGktWGMxb0wwbzd3TmY5LW9qQVNSc3J3X3gtZ1h1cHBaVDdsUXhqLVJ5cGdFRnd2RExqRXpGYkZ5SEh6RTlXbUhrU2FVeVBXSmdqTHNxbXQtQmk?oc=5) · Wicked Local
- 2020-10-05 [Bridgewater Savings and Mansfield merge to form Bluestone Bank - Providence Business News](https://news.google.com/rss/articles/CBMihgFBVV95cUxOUnJ4NHFjZmN5eE56cGtmYjRjdy1zUS1YY1RvV3JRcWNLZHVDeUUzdzAzOGNuQl9abTVJMHcyU2xWM1ktYzM0VGNEdDYyMjhTTmk3VC12MkQ5VFhWcWZCdEk1M0VpS2NkWWgwcWxsOF9ZX0psQ1l6YWZXcGEyWTUyOE9sZTN3QdIBjgFBVV95cUxPOV9oRVZGY1lpX0xLMGt5ZW5qS1J4dy1xeFFLUEtCTzh3Y0I5ZFRETHgxZTNfcHAxam9uR2dzSGUzelZlY2JKMXRobjNlVUctMXE3NGV5OURJYWg0M0pjc3IxR2xqbkNCb0RGeWZaVEMzQllqZFl0VWQwXzk5SjZFVEpiYVYwN2hnZms1djBB?oc=5) · Providence Business News
- 2025-07-07 [Bluestone Bank expands lending team with VP Sara Hiebner - Taunton Daily Gazette](https://news.google.com/rss/articles/CBMizgFBVV95cUxNQ19UTXFrSXhXNncwNm1pN3pJbkJmVUFBME4teGZTWkUxN1dNNE5BOHo4QzIzTFR2dlJzanVTcVVkel9SMVA2ZVM4bGt1cXNQb3JVUU42WE8xRlpmY0tVOTRMMVNjWTUwLU80MHRZN05NOUg1NGhDZlRKY2hkX21ZeXV0VTNNbmlCcmFmenMwT1pDbXZzREo2ZXJSV0ZkYzYxc0E0bjJZM0htN2FzWld6d3lDbjVXcWxPdnNuVUNVRDJFbVZMQVpYcUxuVGFQUQ?oc=5) · Taunton Daily Gazette
- 2022-06-17 [Massachusetts Bankers Association taps new vice chair - mpamag.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTUc3Vm1UYjVJdWxjQnQtTzl3amJHRUFCZDEwcUhqTVdOZFFtWTFKd292V1dTX0kwdEZBVFR3a0dneWlpakxFMHBxanRIVG4td2k0VEpkcUc1VzdOeDRMbE1raHUtNXM3YTBhMGM2QUs5OGp5bEo4SFNQRV9KcWlwMjYzdjM1ZGVkdXBLdjluZmxWblpMclYtYl9JLWRtRW9zLVRQX2J3alFoR1JmSGFxQkpQN3FxVUgxNVQw?oc=5) · mpamag.com
- 2024-05-01 [Tracy Simmons Promoted to Vice President of Human Resources at Bluestone Bank - hrtoday.in](https://news.google.com/rss/articles/CBMingFBVV95cUxQLVFhU3FjeFUxTjFJZHBrbnphQk5Qb1VFaXQtMzk1Rm5ZVXRZZkNrQU5LWEFORmRwZGpvdlJxeGRpcFE1Y1p0dERLSDltSDJRbTBETjFsRkFPd3hNblIwT3RQeUV4MG40bVU2ckQzdVowSTZ2QTB1X2RIMmQ5czhWeDRaOG1mWDdxZDNkdjduVS1SQnR3TERfMFUyOXRkQQ?oc=5) · hrtoday.in
- 2022-11-10 [Bluestone Bank closes on Monahan Marine acquisition - Boating Industry](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcjJSV1JuU0JsbTMyZFpjdDNOZnFucE1oTTl1UjdBZkZkU3VuM1dBOW45eVVrMENMOGtWanBKM3NUdnBpU3JhVzlqclF3RGRQdGZUX2VBUFZ1bDBpSmdLbldBeHRPaWZMSTlkOG05QmpnelNCeXRJQUc4WDBTbFRSR1c4emxlRmtaN2NzRHhMTkhRUW4xZUJ2bXdOcUI?oc=5) · Boating Industry

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90169 (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/57.json (key "90169", 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.

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