# BANK OF CANTON
CANTON, MA · FDIC certificate 90175 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $782.5M | |
| Deposits | $661.1M | |
| Loans and leases | $537.9M | |
| Total equity | $114.1M | |
| Loans / deposits | 80.34% (p46 of band) | 82.04% |
| Liquid assets / assets | 26.92% (p56 of band) | |
| Uninsured deposits / deposits | 45.73% (p93 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.07% (p25 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 14.43% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -3.81% (p68 of band) | -8.10% |
| AOCI / equity | 0.57% (p92 of band) | |
| ROA (annualized) | 0.51% (p12 of band) | 1.28% |
| Net interest margin | 3.65% (p35 of band) | 3.91% |
| Efficiency ratio | 73.92% (p81 of band) | |
| Noncurrent loans | 0.90% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 140.35% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 33.39% (p41 of band) | |
| Auto loans | $76,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 106 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | expense ratio p90 |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | expense ratio p90 |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 3 | loans exceed deposits | expense ratio p90 |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 1 |  | loans exceed deposits |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 0 |  | loans exceed deposits |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | expense ratio p90 |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | loans exceed deposits |  |
| 2019-03 | 3 | deposits shrinking, assets shrinking | expense ratio p90, loans exceed deposits |
| 2019-06 | 1 |  | deposits shrinking, assets shrinking |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 | loans exceed deposits | capital falling |
| 2020-03 | 1 |  | loans exceed deposits |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | construction >100% equity, capital falling |
| 2021-06 | 1 | uninsured deposits >50% |  |
| 2021-09 | 1 | capital falling | uninsured deposits >50% |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | expense ratio p90, NIM <2.5% |  |
| 2022-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2022-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-12 | 1 | construction >100% equity | expense ratio p90 |
| 2023-03 | 0 |  | construction >100% equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | charge-offs p90 |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | deposits shrinking |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-04-01 [Robert Erasmi, Hired at Bank of Canton - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWTd1VU9rREJXOXc3SlJPaE9Ka2xfX3Z2S0wyQTRqa045WGg4QW5VMjVoMi12S0FhQW1CeWd2clhyenA2cXpoQ0k5QUpOZ0duTFFQZDNtamxmNlVFYmRJcW9fNXhyM2hOUjJtRUZ6QU1NTndoZGUzTmx1VDQwNUVVaEdWdHV1SDlwRHU5eFRB?oc=5) · The Business Journals
- 2023-10-24 [Over 9,500 Bank of Canton customers may have had personal information exposed due to data breach - boston25news.com](https://news.google.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?oc=5) · boston25news.com
- 2023-03-05 [Movers & Shakers: Wellesley's Scott Gannon named VP at Bank of Canton - MetroWest Daily News](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNNXdTQVozLWlLTXZmVF94dWpoelVSdHV6TFdVUzl6X2FaSzFwNjNPWWFpRWwzTFFxU2xsVmJfNVQ3OUV3WGdfME52ckNDV29CektpZXFvTlBlaHlJOFhCcHRzX1kyY3BycmF0Q0tHc2pUMUNXckR2QmhwYWt0dGNRSUFtX2pwODUtWGw4Nk8xNjhZbERwQTBfM2VtLUV0LUhfZFEyNFRySVFWUTZ4eXNFbnIyUXRJNWdoOHhVRnNxbVg3bW9qQjRVV1kzbFFIZWNuZHJPQ2p1MG5sV3N0WDBkZjdhWVg1QXRtYVlSYkFWSmhKY1hZU1FhSHFuMDY?oc=5) · MetroWest Daily News
- 2024-08-02 [Obituary for Vivian Sykes - Dockray and Thomas Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE5DV1RvZW1KM2NPSUl0UGlUNmt4a0dHWnBZSXdjV29PSk1QUDJkRVVFNDJjdnVEM2pqY1lIRzl1ODl4elQ3U2xRZ3A4WWNRRGJ2WVVvVlZRckwwc2ZOZ1hPNTBSclZRZkVGWWZhNFlaNHlITFE?oc=5) · Dockray and Thomas Funeral Home
- 2018-09-28 [Bank of Canton hires 2 lenders for commercial financing - Canton Repository](https://news.google.com/rss/articles/CBMilAFBVV95cUxQU2lUbzgzR3pmb2p4X0dmMXhid3k2ZkFyOEN3eFFvY3BXM2pLNkRySDFjSzJRN3pseFRHbGFKUXpmWFJoMHFnNE56NXRwRXhhTEc4RmJ1TGpRX1pHR1NpUEx1cklDWmh6VC1KSlUzN0dwdnZObzdYSFljSE9INGl0UVRNeXRRVUFLY0lkbVoyMEJoSjFf?oc=5) · Canton Repository
- 2022-10-07 [Bank of Canton funds adaptive tricycles for PRHC - Canton Citizen](https://news.google.com/rss/articles/CBMia0FVX3lxTE9OT3NEYnZIbWFWX1BCVG5EN2lLYndfbW15M25QTzNocjdiMnVqeHpweTZYMDRKd0ZSM0xzbVNOblRiaTVXcVg4cDZuNk5oWDdSR1BpN0taNFNuZUU2dk0yRFZObFNjWDEtTVVn?oc=5) · Canton Citizen
- 2011-07-26 [Bank of Canton's Gary Premo Receives Affiliate of the Year Award - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxOU0RBRDFiMzFfZjBmbkJkU1ZyYkJ6RktfMmE0Z0Rkb1VTVkM3ZklNX0tEVlJVLVBFTzV6UE9yRlVWanJTSWVCX08wc3ZPUVpENHZ2LUhNbVZoeUs3RXMyX25yVEtjQUtoSlMwbVJEQmlya0JHX1NPdXNsNEtjSFdkVXVoS3VUYmRDSEZDa3BJc3RLMU1lbS1sN3hybkhhRkRSNjZEcg?oc=5) · Patch
- 2018-02-13 [Easton resident named regional lending manager at Bank of Canton - Wicked Local](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZmwzczl3aGYtZ1lZQXU2Z2FWREk5ckcya0FKWWxGLU1kVU5RN1VyUzdYSEFWWlJXZVBhaUZZUjVPRklKUVV1RlhGZUpKZDRhMDc2QzByWmUxTnNhU0JaNElDWnNCRHZaaUVpSjNqS3FqN3Z0VmJYZ3dTQmxEc0ZuUUZDa1I2eGZiOEZDa3daS0tHQ0daVWQzdkl4Nk8tVDJTelI1Z0RKclNPamVTb2tQRQ?oc=5) · Wicked Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90175 (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/63.json (key "90175", 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