Bristol County Savings Bank
Bristol County Savings Bank reported total assets of $3.3 bn at Q2 2026, up 8.9% on a year earlier, the 389th largest of 497 banks in our US coverage. The CET1 capital ratio at Bristol County Savings Bank was 17.84%, and the uninsured share of Bristol County Savings Bank was 35.78%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Bristol County Savings Bank climbed from 294th to 241st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Bristol County Savings Bank reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: 4.27% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- At 77.07%, the efficiency ratio of Bristol County Savings Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
What sets Bristol County Savings Bank apart
- Few banks of $1 bn to $10 bn report a higher tier 1 leverage ratio than Bristol County Savings Bank, at 14.40% in against a group median of 10.45%.
- Bristol County Savings Bank reports one of the lowest return on assets (ROA) readings among banks of $1 bn to $10 bn: 0.63% at , where the median of the 339 banks is 1.32%.
- At 102.58%, the loan-to-deposit ratio of Bristol County Savings Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 88.61%.
How large is Bristol County Savings Bank?
The balance sheet of Bristol County Savings Bank at : assets $3.3 bn, deposits $2.6 bn, net loans $2.7 bn (loans equal to 102.58% of deposits). Securities make up 9.5% of total assets at Bristol County Savings Bank. Since , when Bristol County Savings Bank held $1.8 bn, its assets grew 79.9%. In the year to , deposits at Bristol County Savings Bank rose 5.4% while its total assets rose 8.9%. At , Bristol County Savings Bank employed 539 full-time equivalent staff across 18 offices, about $6.0 mn of assets per employee and $146.7 mn of deposits per office.
How much funding at Bristol County Savings Bank is uninsured?
At Bristol County Savings Bank, uninsured deposits (above the FDIC limit) made up 35.78% of domestic deposits at (+1.13 pp on a year earlier); Bristol County Savings Bank ranks 243rd of 500 on this measure. In dollars, Bristol County Savings Bank estimated $944.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +5.4% | 396th of 499 |
| Net loans and leases | $2.7 bn | +9.0% | 342nd of 500 |
| Loan-to-deposit ratio | 102.58% | +3.40 pp | 39th of 500 |
| Tier 1 leverage ratio | 14.40% | -0.07 pp | 31st of 500 |
| Total risk-based capital ratio | 18.94% | -0.45 pp | 51st of 448 |
| Net interest margin | 3.40% | +0.27 pp | 318th of 500 |
| Return on assets (ROA) | 0.63% | +0.09 pp | 460th of 500 |
| Efficiency ratio | 77.07% | +0.98 pp | 469th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $22.2 mn | Narrowed by $3.9 mn | |
| Noncurrent loans to total loans | 0.60% | -0.03 pp | 241st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.05 pp | 212th of 500 (1 = lowest) |
US rank of Bristol County Savings Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Bristol County Savings Bank: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.6bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of Bristol County Savings Bank stood at 17.84% in , -0.43 pp year on year. Low and high at Bristol County Savings Bank since : 11.80% () to 18.82% (). Equity capital of Bristol County Savings Bank at : $469.0 mn, or 14.4% of total assets. Bristol County Savings Bank also reported a total capital ratio of 18.94% for , and a tier 1 leverage ratio of 14.40%.
The available-for-sale portfolio of Bristol County Savings Bank showed an unrealized loss of $22.2 mn at ; the loss narrowed by $3.9 mn over the year.
Bristol County Savings Bank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 14%
Bristol County Savings Bank: unrealized securities gains and losses
- Available for sale -$22mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bristol County Savings Bank earned a return on equity of 4.27%; return on assets: 0.63%. Net interest margin at Bristol County Savings Bank: 3.40%, +0.27 pp in a year. Bristol County Savings Bank net income: $9.9 mn, up 22.4% year on year. The efficiency ratio of Bristol County Savings Bank was 77.07%: about 77 cents cost per revenue dollar, against 64 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at Bristol County Savings Bank; net charge-offs: 0.06% of average loans. Gross loans and leases at Bristol County Savings Bank: $2.7 bn, up 8.9% in a year.
Bristol County Savings Bank: profitability
- Return on equity 4.3%
- Net interest margin 3.4%
- Return on assets 0.6%
Peer group of Bristol County Savings Bank
The peer group of Bristol County Savings Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Bristol County Savings Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Massachusetts. Against them, Bristol County Savings Bank shows CET1 ratio 17.84% against a peer median of 13.57%, return on equity 4.27% against a peer median of 11.79% and uninsured deposit share 35.78% against a peer median of 51.47%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Lone Star National Bank | National bank | TX | $3.3 bn | 20.01% | 12.92% | 58.85% | |
| WestStar Bank | State member bank | TX | $3.3 bn | 13.13% | 19.53% | 61.03% | |
| Stearns Bank | National bank | MN | $3.3 bn | 15.39% | 12.78% | 15.89% | |
| Bristol County Savings Bank | State nonmember bank | MA | $3.3 bn | 17.84% | 4.27% | 35.78% | |
| Georgia Banking Company | State nonmember bank | GA | $3.3 bn | 11.83% | 10.81% | 44.10% | |
| First Western Trust Bank | State nonmember bank | CO | $3.2 bn | 11.37% | 8.59% | 40.05% | |
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bristol County Savings Bank, to : assets +6.2%, deposits +4.1%, equity +10.6%. Staff 397 to 539.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.3 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Bank equity capital | $423.9 mn | $431.4 mn | $438.4 mn | $444.1 mn | $452.6 mn | $461.5 mn | $465.7 mn | $469.0 mn |
| CET1 ratio | 18.02% | 18.34% | 18.82% | 18.27% | 18.21% | 17.78% | 18.08% | 17.84% |
| Return on equity (ROE) | 4.96% | 3.37% | 2.52% | 3.71% | 4.18% | 4.11% | 4.77% | 4.27% |
| Uninsured share of domestic deposits | 37.58% | 36.36% | 35.42% | 34.66% | 35.61% | 35.53% | 35.61% | 35.78% |
| Full-time equivalent employees | 397 | 383 | 397 | 402 | 422 | 434 | 434 | 539 |
| Number of offices | 18 | 18 | 18 | 18 | 17 | 17 | 18 | 18 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bristol County Savings Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Freedom National Bank (FDIC certificate 57254).
Questions and identifiers
What were the total assets of Bristol County Savings Bank?
Bristol County Savings Bank reported $3.3 bn at in its Call Report. That makes Bristol County Savings Bank the 389th largest of 497 banks in our US coverage.
Is Bristol County Savings Bank the same as its holding company?
No. This page covers Bristol County Savings Bank, FDIC certificate 23622; BEACON BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bristol County Savings Bank profitable?
Bristol County Savings Bank reported net income of $9.9 mn for the year to ; annualized return on equity: 4.27%. So yes: Bristol County Savings Bank made a profit over these months.
When is data for Bristol County Savings Bank next updated?
Figures from Bristol County Savings Bank for are due after .
Where can I check the figures for Bristol County Savings Bank?
In the FDIC BankFind Suite record for certificate 23622, and in the Call Reports of Bristol County Savings Bank (RSSD ID 13103) at the FFIEC Central Data Repository.