# BANKESB
EASTHAMPTON, MA · FDIC certificate 90188 · asset band $1-10B · 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 | $2.02B | |
| Deposits | $1.76B | |
| Loans and leases | $1.60B | |
| Total equity | $195.3M | |
| Loans / deposits | 90.12% (p60 of band) | 87.10% |
| Liquid assets / assets | 15.65% (p26 of band) | |
| Uninsured deposits / deposits | 34.39% (p60 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.96% (p29 of band) | |
| FHLB advances / assets | 1.96% | |
| Tier 1 leverage | 9.82% (p32 of band) | 10.50% |
| Unrealized securities loss / equity | -2.60% (p76 of band) | -7.75% |
| AOCI / equity | -0.20% (p57 of band) | |
| ROA (annualized) | 0.52% (p9 of band) | 1.26% |
| Net interest margin | 3.29% (p26 of band) | 3.70% |
| Efficiency ratio | 69.60% (p78 of band) | |
| Noncurrent loans | 1.67% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 69.31% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 24.02% (p22 of band) | |
| Auto loans | $23,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 261 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | loans exceed deposits |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | loans exceed deposits, capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 0 |  | loans exceed deposits |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-05-11 [bankESB to become TruNorth Bank this summer - Daily Hampshire Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxNM1lxbF8zUWx4SGFHaFJuQk56SUhjSjI3M0Q0MFBTeXY1UXBXZVBXNTBRM2ZlZTdUdmt4bHN3OU1DSFgwcnZhbl9obERSZUZlOFNpRERac205RkNqV2JjeExGMHRacV9KVUJVUkl6dzFNMi10WXhhTWJ6ejNiYm1sLWl3d2U?oc=5) · Daily Hampshire Gazette
- 2026-07-06 [bankESB parent buying NH bank, plans to convert from mutual to stock ownership - masslive.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxOamtudldDbzExOUNTVkNBRzd6VlBUaHg5c0ZtU2l3elNsMEJhbU9xVlhkTmdfV29NTG9yc2hTZHRyOUFESWdpZUJteTVxNHh6VjBIWGthTVpsRU1iTTNMN09oSTczS0RLVVJPT2hPVTFwQzhaaU1LSjNnekpqSDVkdVpwdV9iS2Y5RWRiWUNpbVFEYnNaUDRLdVBZOGtUbmFyaXB6Y09GZzluS3d3a1VLbW44UTVkRW93VDFycEVzRzdBdE9KelE?oc=5) · masslive.com
- 2026-06-08 [What’s Behind bankESB’s Pending Name Change to TruNorth Bank - BusinessWest](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbDJ5OExoRnhUeURPR1RhTlV3TFVXVEJ1bkdXM092NDA5S2I2QlowblV4a1liNG5KcnI1VWNDT2FfY2c5WEg4SmFNMnRqMmRnSjZwck1oLUFpRGVmSm9veVFBLTRybjdERGF1RUJreTQtaFc4OTRDRUY3dGVMb2lFZUFsM1F3cHk1b3hKMEFIZ243b2s?oc=5) · BusinessWest
- 2026-07-15 [bankESB parent to expand into New Hampshire with new acquisition - Daily Hampshire Gazette](https://news.google.com/rss/articles/CBMioAFBVV95cUxQMTh0c3JMLU44dDNfYnpKclBqY0V4OUdWLTZLaG9mR3VTOVQ0ZG50bjZRZFFYcmhBek40NHZJYXBiQWFoVkh4QklPN1BvOHRkOWVZaGFBMkVyUllPN2dYLXBUd0Y3UzEtM3lXa21POHljZmhFemJCb2o0eFZxUE9CQTVrTFFWWk5jZFYwZTNJME1idHR5TkNFVTNLQUJXV1Fa?oc=5) · Daily Hampshire Gazette
- 2026-05-13 [bankESB, once Easthampton Savings Bank, rebranding statewide to TruNorth Bank - masslive.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOTGU2eGZfX2dzd3pCQ3luTWpyTzRoQTJrWm9IU2NHOFVTRTI4STR3c3NvN2t5M2M4cm16eW9OZE5OU241d09DSVBnOHBNdkZKa0pZbmRuSVNDRGs5OU5NVTlJR3U3Y3hhblNQa3NSakppa1NaZkcwdUNtZnlseUQxYkJmWWg5QjNHS1VwcVN3c1BHV29ENzFER2NPT3VzTVVnU0xxT21GS3d0emU1bW9weTNQM1pnUS1zUVpPeV9UWkxtQTQ?oc=5) · masslive.com
- 2026-07-03 [bankESB to hold free ice cream events throughout July - WWLP](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVjJRSW0yV01mcVNKd1ZOWkNOeXBlTzM1dlBTYWk1dlY3MVA0a2NEdTlWb0JrdkNMRHEzdHNQRXZvb0lKWUJLWV9kTnFpWGxZdDIwSXRrbTFzUnJ5SEMxbnl6ZHRmS19mSG1LUVpGSGhhUVNxbGJxVVNWSlVHWktDbmFLbEd6dVFIY0hHMGVKYmk5bmhDY3fSAZsBQVVfeXFMUC15eXJkLVhVVG9EMDQ3cEFHTzZxT194MmU1TFpXcFlJOW5zSUVaVEVRTktMM283TDNrRzdXMHVLUFZBTUM3cVRySUhrNmkxSmVtOG8ycUM3dUl1cWxnN2V0WnE5Z0J4S2RzbG4tQ2pJRS1yZlJoTTFCRlBSTk5VenZVNXE4T1VTOW9wWFFDOXcwTnZvOXY3ZmotS2c?oc=5) · WWLP
- 2026-07-06 [Hometown Financial Group, Inc. Announces Agreement to Acquire Primary Bank and Plan for Mutual-to-Stock Conversion - PR Newswire](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOU09pMFYwM24wT2xWTkNwaVJhNVY2UVR1X2JNdjdYcnh4UEVvMDJJN0M4S05hazMxbHZPQml1MnJFQ2RzNHNsSzcyLTN0bTFVZU9QTzVjQXRIWUlOSGR4TER2WjlWRzdlWFJZcFMzWENhOVdsLUtHcHI5U01jbmEySzhJU2dDNjNYb0kzTFJFNE40V1hQMUtqeXZ2NXg4ZHdwWUFLQkNBNXlQeVZfeklYb1hfMnVBRE16WVppV0toOFpYd0x0SUxNd1pKeVR2YXoySFpLYjRZQWU5OFJia3ZjVXhyR2ZwcGZydHFQWjk4LVNFLUlpZmVleDJweUo?oc=5) · PR Newswire
- 2026-07-07 [Massachusetts lender to acquire NH bank for $160M - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPQmdMWF9sWUJLOEZWZThDemxRT1dqOXhGaldidkpqSDM1MGJmMTVKeUwydjJRVVhYa3E5MHI3U0FsejRDcDlpTjZUeWwwQ0NUUW14SS1FYXVhOXByRFloU2ktcXNBSnVNaXNLVzlXSzZOY19INWFfU28wRlhOODRLWnBNXy0zQzJiaGNv?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90188 (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/12.json (key "90188", 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