FLORENCE BANK

FDIC #23293 · MA · period 20260630

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Total assets1,229,920-6.12% YoY

Total deposits1,029,052-6.24% YoY

Net loans and leases921,564-6.09% YoY

Return on assets0.59%-63.67% YoY

Return on equity6.07%-63.30% YoY

Net interest margin3.24%-1.53% YoY

Peer position

Return on assets16thopportunity · n=902

Return on equity15thopportunity · n=894

Net interest margin11thopportunity · n=902

Equity to assets55thin line · n=894

Noncurrent loans56thin line · n=887

Liquid assets80thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits84thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,229,920	1,029,052	921,564	0.59	6.07	3.24
2016-06-30	1,253,661	1,049,640	934,517	0.67	6.94	3.27
2016-09-30	1,275,506	1,068,819	961,329	0.70	7.21	3.26
2016-12-31	1,283,372	1,074,713	967,786	0.71	7.35	3.26
2017-03-31	1,310,144	1,097,494	981,348	1.62	16.54	3.29
2017-06-30	1,309,825	1,099,273	988,177	1.20	12.11	3.33
2017-09-30	1,321,522	1,106,179	1,009,607	1.06	10.60	3.36
2017-12-31	1,330,502	1,124,672	1,022,926	0.76	7.54	3.38
2018-03-31	1,340,503	1,143,672	1,033,914	0.79	7.82	3.45
2018-06-30	1,369,204	1,161,130	1,049,193	0.85	8.40	3.48
2018-09-30	1,348,529	1,161,752	1,018,752	0.89	8.71	3.56
2018-12-31	1,347,893	1,165,938	1,020,688	0.91	8.83	3.58
2019-03-31	1,361,666	1,175,613	1,014,146	0.66	6.12	3.57
2019-06-30	1,399,309	1,208,017	1,017,582	0.73	6.73	3.54
2019-09-30	1,415,613	1,219,573	1,010,933	0.78	7.18	3.52
2019-12-31	1,451,182	1,252,114	1,015,948	0.79	7.24	3.47
2020-03-31	1,484,003	1,285,972	1,030,766	0.81	7.44	3.26
2020-06-30	1,618,703	1,425,878	1,030,057	0.74	6.95	3.14
2020-09-30	1,680,243	1,484,401	1,017,948	0.72	6.93	3.05
2020-12-31	1,710,853	1,514,501	1,020,347	0.78	7.54	3.01
2021-03-31	1,795,045	1,604,848	1,003,357	0.47	4.91	2.72
2021-06-30	1,835,864	1,637,750	1,019,001	0.56	5.87	2.72
2021-09-30	1,870,255	1,669,105	1,014,062	0.67	7.04	2.74
2021-12-31	1,925,745	1,721,702	1,005,132	0.77	8.10	2.70
2022-03-31	1,945,066	1,756,186	1,019,544	0.64	7.07	2.49
2022-06-30	1,928,728	1,746,298	1,041,459	0.76	8.58	2.60
2022-09-30	1,886,023	1,714,960	1,054,247	0.86	10.03	2.75
2022-12-31	1,864,517	1,684,224	1,097,763	0.91	10.63	2.87
2023-03-31	1,859,643	1,671,764	1,096,269	0.89	10.43	3.05
2023-06-30	1,860,745	1,648,347	1,091,186	0.86	10.01	2.96
2023-09-30	1,884,819	1,659,021	1,117,343	0.81	9.48	2.87
2023-12-31	1,909,770	1,637,001	1,128,634	0.70	8.08	2.77
2024-03-31	2,118,293	1,658,226	1,144,485	0.57	6.62	2.31
2024-06-30	2,119,398	1,652,538	1,157,746	0.56	6.55	2.28
2024-09-30	2,135,011	1,651,398	1,163,950	0.57	6.57	2.27
2024-12-31	1,961,307	1,693,966	1,181,971	0.53	6.07	2.31
2025-03-31	1,969,537	1,707,941	1,181,242	0.54	5.62	2.54
2025-06-30	1,940,693	1,684,563	1,189,644	0.64	6.52	2.66
2025-09-30	1,954,524	1,689,862	1,211,013	0.66	6.60	2.71
2025-12-31	2,007,879	1,753,765	1,233,095	0.62	6.14	2.72
2026-03-31	2,017,659	1,777,322	1,244,751	0.66	6.28	2.77
2026-06-30	2,014,204	1,785,228	1,267,545	0.72	6.83	2.85

Structure and branch footprint

14 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
1999-09-18	1	999775	279105

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.