TellerScore

Bristol County Savings Bank is a state-chartered bank headquartered in Taunton, Massachusetts, in business for about 180 years. At the end of Q2 2026 it reported $3.3B in total assets and $2.6B in deposits, with 18 offices across 2 states.

Bristol County Savings Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 18th. Capital cushion contributes the most (94/100, 14.40%); funding & liquidity contributes the least (35/100, 103% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Tier 1 leverage ratio: 14.40%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 102.6% · 35.8% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.30%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).

TellerScore
697173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202469
Q1 202570
Q2 202572
Q3 202571
Q4 202571
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%9.73%14.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.53%
Q3 202413.85%
Q4 202413.99%
Q1 202514.22%
Q2 202514.47%
Q3 202514.15%
Q4 202514.40%
Q1 202614.43%
Q2 202614.40%
Noncurrent loans
0.60%0.65%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.69%
Q4 20240.69%
Q1 20250.65%
Q2 20250.63%
Q3 20250.61%
Q4 20250.64%
Q1 20260.60%
Q2 20260.60%
Return on assets
0.36%0.56%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.66%
Q4 20240.45%
Q1 20250.36%
Q2 20250.54%
Q3 20250.61%
Q4 20250.60%
Q1 20260.70%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$3.3B14.40%0.60%0.63%102.6%
Q1 202673$3.2B14.43%0.60%0.70%99.5%
Q4 202571$3.1B14.40%0.64%0.60%103.1%
Q3 202571$3.1B14.15%0.61%0.61%98.1%
Q2 202572$3.0B14.47%0.63%0.54%99.2%
Q1 202570$3.0B14.22%0.65%0.36%94.1%
Q4 202469$3.0B13.99%0.69%0.45%95.7%
Q3 202470$3.1B13.85%0.69%0.66%94.2%
Q2 202471$3.1B13.53%0.67%0.76%91.7%

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 ratio14.40%
91st
Total risk-based capital18.94%
90th
Problem loans0.60%
44th
Net charge-offs0.06%
40th
Return on assets0.63%
11th
Net interest margin3.40%
31st
Efficiency ratio77.1%
10th
Loans to deposits102.6%
10th
Uninsured deposits35.8%
36th
Loan-loss reserves0.93%
23rd
Texas ratio3.3%
53rd

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Northern Bank & Trust CompanyBank Woburn, MA69 out of 100, Moderate$3.4B14.6%2.07%vs
UniBank for SavingsBank Whitinsville, MA62 out of 100, Moderate$3.1B8.8%0.62%vs
BayCoast BankBank Swansea, MA46 out of 100, Below average$2.9B8.3%1.45%vs
Avidia BankBank Hudson, MA67 out of 100, Moderate$2.8B12.4%0.75%vs
Westfield BankBank Westfield, MA62 out of 100, Moderate$2.7B9.4%0.35%vs
Dedham Institution for SavingsBank Dedham, MA59 out of 100, Moderate$2.6B11.4%1.15%vs

Deposit insurance

Is my money safe at Bristol County Savings Bank?

Yes. Bristol County Savings Bank is an FDIC-insured institution (FDIC certificate #23622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.8% of deposits ($944.6M) 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 14.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.94% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

Bristol County Savings Bank lists 17 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bristol County Savings Bank reported 621 home-loan applications under HMDA (LEI 549300ENXD6MBH06E085): 493 originated ($267,395,000 total), 52 denied, and 64 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bristol County Savings Bank
Type
State-chartered bank
FDIC certificate #
23622
RSSD ID
13103
Primary regulator
FDIC
Holding company
Beacon Bcorp
Established
March 2, 1846
Headquarters
35 Broadway, Taunton, MA 02780
Employees
539

Quick answers

Bristol County Savings Bank: common questions

Is Bristol County Savings Bank FDIC insured?

Yes. Bristol County Savings Bank is an FDIC-insured institution (FDIC certificate #23622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bristol County Savings Bank's TellerScore?

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

Has Bristol County Savings Bank ever failed?

There is no failure record for FDIC certificate #23622 in the FDIC failed bank list.

How many branches does Bristol County Savings Bank have?

18 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Taunton

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