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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Gloucester, MA · FDIC certificate #26536
BANKGLOUCESTER is an FDIC-insured institution based in Gloucester, MA (FDIC certificate #26536). In its Q3 2026 Call Report it reported total assets of $380M, total deposits of $303M and net loans of $331M. Its primary federal regulator is FDIC.
Plain-language readout
BANKGLOUCESTER has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $387M in Q2 2026 and were lowest at $380M in Q3 2026.
Total deposits were highest at $304M in Q2 2026 and lowest at $295M in Q1 2026.
Over the whole period total assets fell 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $380M | $303M | $331M | 0.45% | 5.40% | 3.82% |
| Q2 2026 | $387M | $304M | $331M | 0.42% | 5.11% | 3.76% |
| Q1 2026 | $384M | $295M | $333M | 0.42% | 5.08% | 3.65% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.8M | $8.5M | -$653K | -7.7% |
| 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) | $35.2M | $30.3M | +$4.9M | +16.1% |
| Equity securities with readily determinable fair values, not held for trading | $693K | $390K | +$303K | +77.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $331.4M | $333.2M | -$1.8M | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.6M | $6.7M | -$83K | -1.2% |
| 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 | $5.2M | $5.3M | -$173K | -3.2% |
| Total assets | $386.9M | $384.4M | +$2.5M | +0.6% |
| Liabilities | ||||
| Total deposits | $304.2M | $295.0M | +$9.2M | +3.1% |
| 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 | $49.0M | $56.0M | -$7.0M | -12.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.1M | $1.3M | -$178K | -13.6% |
| Total liabilities | $354.3M | $352.3M | +$2.0M | +0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $32.5M | $32.5M | $0K | 0.0% |
| Retained earnings | $820K | $405K | +$415K | +102.5% |
| Accumulated other comprehensive income | -$734K | -$776K | +$42K | +5.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $32.6M | $32.1M | +$457K | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $10.0M | $9.3M | +$695K | +7.5% |
| Adjusted nonperforming assets | $10.0M | $9.3M | +$695K | +7.5% |
| Tangible equity plus allowance | $36.1M | $35.6M | +$524K | +1.5% |
| Texas ratio (gross) | 27.62% | 26.08% | +1.55 pts | See points |
| Texas ratio (adjusted) | 27.62% | 26.08% | +1.55 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 27.62% | 26.08% | +1.55 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.48% | 13.03% | +0.45 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.48% | 13.03% | +0.45 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.73% | 14.28% | +0.45 pts | See points |
| Tier 1 leverage (approximate) | 8.70% | 8.53% | +0.17 pts | See points |
| Construction and land loans to total capital | 71.63% | 67.93% | +3.70 pts | See points |
| Commercial real estate to total capital | 167.03% | 164.81% | +2.22 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 | -3.39% | -3.32% | -0.06 pts | See points |
| Liquidity | ||||
| Core deposits | $255.7M | $246.8M | +$8.9M | +3.6% |
| Non-core funding | $97.4M | $104.2M | -$6.7M | -6.5% |
| Loans to core deposits | 130.96% | 136.39% | -5.43 pts | See points |
| Loans to deposits | 110.10% | 114.12% | -4.02 pts | See points |
| Brokered deposits share of deposits | 3.42% | 3.52% | -0.11 pts | See points |
| Pledged securities share of securities | 44.48% | 51.62% | -7.14 pts | See points |
| Loans pledged, share of loans | 35.47% | 37.40% | -1.94 pts | See points |
| Volatile liabilities | $98.0M | $104.4M | -$6.5M | -6.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $561K | +$678K | +120.9% |
| Earnings before provision, single quarter | $678K | $561K | +$117K | +20.9% |
| Provision for credit losses, year to date | $111K | $0K | +$111K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.03% | 5.81% | +0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 4.43% | 4.34% | +0.09 pts | See points |
| Total interest income to average assets | 5.59% | 5.37% | +0.22 pts | See points |
| Cost of interest-bearing transaction accounts | 0.49% | 0.45% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.59% | 1.57% | +0.02 pts | See points |
| Cost of time deposits | 3.88% | 3.91% | -0.04 pts | See points |
| Total interest expense to average assets | 1.84% | 1.85% | -0.01 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 | $380M | $303M | $331M | 0.45% | 5.40% | 3.82% |
| 2026-06-30 | $387M | $304M | $331M | 0.42% | 5.11% | 3.76% |
| 2026-03-31 | $384M | $295M | $333M | 0.42% | 5.08% | 3.65% |
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 | $312.8M | 0.05% | 91 | Continuing · -0.01 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.