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Bristol County Savings Bank
Taunton, MA·FDIC Cert #23622·Charter: STATE·Est. 18460302.0·HC: BEACON BCORP
Total Assets
$3.1B
Q4 2025
Return on Assets
0.65%
+0.04%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.43%
Peer avg: 57.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.65%+0.04
ROE
4.45%+0.27
Efficiency
74.43%+0.22
Equity/Assets
0.00%+0.00
NPL Ratio
0.65%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
102.23%+4.11
Charge-offs
-0.01%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 0.8 | 0.7 | 0.5 | 0.4 | 0.5 | 0.6 | 0.6 |
| ROE | 9.2 | 5.8 | 5.0 | 3.4 | 2.5 | 3.7 | 4.2 | 4.5 |
| Efficiency | 77.8 | 80.0 | 79.9 | 78.7 | 78.0 | 76.1 | 74.2 | 74.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.7 | 0.7 | 0.7 | 0.6 | 0.6 | 0.6 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 |
| Loan/Deposit | 90.9 | 91.7 | 94.2 | 95.7 | 94.1 | 99.2 | 98.1 | 102.2 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.6B
Total Loans$2.6B
Total Equity$463.6M
Profitability
ROA0.65%
ROE4.45%
Efficiency Ratio74.43%
Net Income$19.8M
Risk & Asset Quality
NPL Ratio0.65%
Charge-off Rate-0.01%
Loan/Deposit102.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans