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Data through Q3 2026 · 4,200 institutions
Regulatory profile
North Easton, MA · FDIC certificate #26554
BANK OF EASTON is an FDIC-insured institution based in North Easton, MA (FDIC certificate #26554). In its Q3 2026 Call Report it reported total assets of $244M, total deposits of $218M and net loans of $128M. Its primary federal regulator is FED.
Plain-language readout
BANK OF EASTON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $251M in Q1 2026 and were lowest at $244M in Q3 2026.
Total deposits were highest at $225M in Q1 2026 and lowest at $218M in Q3 2026.
Over the whole period total assets fell 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $244M | $218M | $128M | 0.75% | 7.95% | 2.26% |
| Q2 2026 | $249M | $222M | $123M | 0.71% | 7.45% | 2.21% |
| Q1 2026 | $251M | $225M | $120M | 0.73% | 7.69% | 2.17% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $60.2M | $63.0M | -$2.8M | -4.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $56.8M | $58.5M | -$1.7M | -2.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $122.8M | $120.3M | +$2.6M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.4M | -$22K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.8M | $6.8M | -$11K | -0.2% |
| Total assets | $249.0M | $250.9M | -$1.9M | -0.8% |
| Liabilities | ||||
| Total deposits | $222.5M | $224.7M | -$2.3M | -1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.7M | $1.7M | -$48K | -2.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $894K | $968K | -$74K | -7.6% |
| Total liabilities | $225.0M | $227.4M | -$2.4M | -1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $25.6M | $25.2M | +$429K | +1.7% |
| Accumulated other comprehensive income | -$1.7M | -$1.7M | +$20K | +1.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.0M | $23.5M | +$449K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $2K | $2K | $0K | 0.0% |
| Adjusted nonperforming assets | $2K | $2K | $0K | 0.0% |
| Tangible equity plus allowance | $24.7M | $24.2M | +$451K | +1.9% |
| Texas ratio (gross) | 0.01% | 0.01% | -0.00 pts | See points |
| Texas ratio (adjusted) | 0.01% | 0.01% | -0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.01% | 0.01% | -0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.26% | 10.17% | +0.09 pts | See points |
| Construction and land loans to total capital | 2.59% | 1.69% | +0.90 pts | See points |
| Commercial real estate to total capital | 15.53% | 15.27% | +0.26 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.80% | -9.05% | +0.25 pts | See points |
| Liquidity | ||||
| Core deposits | $183.0M | $185.2M | -$2.2M | -1.2% |
| Non-core funding | $41.1M | $41.3M | -$146K | -0.4% |
| Loans to core deposits | 67.50% | 65.31% | +2.18 pts | See points |
| Loans to deposits | 55.52% | 53.82% | +1.71 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 55.70% | 53.60% | +2.10 pts | See points |
| Volatile liabilities | $41.1M | $41.3M | -$146K | -0.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $591K | +$554K | +93.7% |
| Earnings before provision, single quarter | $554K | $591K | -$37K | -6.3% |
| Provision for credit losses, year to date | $7K | $0K | +$7K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.06% | 4.95% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.63% | +0.05 pts | See points |
| Total interest income to average assets | 4.09% | 4.01% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.07% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.55% | 1.49% | +0.05 pts | See points |
| Cost of time deposits | 3.77% | 3.79% | -0.02 pts | See points |
| Total interest expense to average assets | 1.95% | 1.92% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $244M | $218M | $128M | 0.75% | 7.95% | 2.26% |
| 2026-06-30 | $249M | $222M | $123M | 0.71% | 7.45% | 2.21% |
| 2026-03-31 | $251M | $225M | $120M | 0.73% | 7.69% | 2.17% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $211.4M | 0.04% | 99 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.