TellerScore

Bluestone Bank (FDIC certificate #90169) is based in Raynham, Massachusetts. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 11 offices.

Bluestone Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 83rd. Problem-loan coverage contributes the most (82/100, 8.9%); earnings contributes the least (32/100, 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.52%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.04%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 90.0% · 35.5% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (61 → 51), mostly because the loan quality component weakened by 32 points.

TellerScore
515762Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202461
Q1 202560
Q2 202561
Q3 202561
Q4 202562
Q1 202654
Q2 202651
Tier 1 leverage ratio
5.00%7.30%9.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.35%
Q3 20249.41%
Q4 20249.25%
Q1 20259.29%
Q2 20259.36%
Q3 20259.47%
Q4 20259.60%
Q1 20269.56%
Q2 20269.52%
Noncurrent loans
0.00%0.52%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.14%
Q4 20240.05%
Q1 20250.11%
Q2 20250.08%
Q3 20250.13%
Q4 20250.10%
Q1 20260.67%
Q2 20261.04%
Return on assets
0.10%0.27%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.32%
Q4 20240.30%
Q1 20250.23%
Q2 20250.35%
Q3 20250.38%
Q4 20250.43%
Q1 20260.10%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$1.6B9.52%1.04%0.30%90.0%
Q1 202654$1.6B9.56%0.67%0.10%91.8%
Q4 202562$1.6B9.60%0.10%0.43%95.8%
Q3 202561$1.6B9.47%0.13%0.38%96.3%
Q2 202561$1.6B9.36%0.08%0.35%94.6%
Q1 202560$1.6B9.29%0.11%0.23%89.8%
Q4 202461$1.6B9.25%0.05%0.30%89.7%
Q3 202462$1.6B9.41%0.14%0.32%85.6%
Q2 202462$1.5B9.35%0.00%0.33%91.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.52%
23rd
Total risk-based capital14.00%
55th
Problem loans1.04%
26th
Net charge-offs0.16%
23rd
Return on assets0.30%
4th
Net interest margin2.43%
4th
Efficiency ratio83.1%
5th
Loans to deposits90.0%
41st
Uninsured deposits35.5%
38th
Loan-loss reserves0.62%
7th
Texas ratio8.9%
21st

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
East Cambridge Savings BankBank Cambridge, MA59 out of 100, Moderate$1.7B9.7%0.20%vs
Main Street BankBank Marlborough, MA58 out of 100, Moderate$1.7B12.0%1.69%vs
Newburyport Five Cents Savings BankBank Newburyport, MA44 out of 100, Below average$1.6B9.8%1.66%vs
Everett Co-operative BankBank Everett, MA62 out of 100, Moderate$1.7B9.8%0.10%vs
Cape & Coast BankBank Yarmouth Port, MA53 out of 100, Below average$1.7B9.7%0.94%vs
Greenfield Savings BankBank Greenfield, MA61 out of 100, Moderate$1.5B10.1%0.42%vs

Deposit insurance

Is my money safe at Bluestone Bank?

Yes. Bluestone Bank is an FDIC-insured institution (FDIC certificate #90169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.5% of deposits ($467.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.52%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Bluestone Bank lists 11 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bluestone Bank
Former names
Bridgewater Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
90169
RSSD ID
699105
Primary regulator
FED
Holding company
Bluestone Financial Mhc
Established
March 19, 1872
Headquarters
756 Orchard St, Raynham, MA 02767
Employees
159

Quick answers

Bluestone Bank: common questions

Is Bluestone Bank FDIC insured?

Yes. Bluestone Bank is an FDIC-insured institution (FDIC certificate #90169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bluestone Bank's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bluestone Bank ever failed?

There is no failure record for FDIC certificate #90169 in the FDIC failed bank list.

How many branches does Bluestone Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Raynham

InstitutionScoreAssetsCapitalProblem loansCompare
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Stoughton Town Employees Federal Credit UnionCredit union Stoughton, MA89 out of 100, Very strong$2.4M16.6%0.00%vs
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Messiah Baptist-Jubilee Federal Credit UnionCredit union Brockton, MA83 out of 100, Strong$1.1M22.2%1.67%vs
Canton Co-operative BankBank Canton, MA83 out of 100, Strong$154.8M15.3%0.06%vs
Walpole Co-operative BankBank Walpole, MA83 out of 100, Strong$646.5M18.8%0.11%vs