TellerScore

Fall River Five Cents Savings Bank (FDIC certificate #23286) is based in Fall River, Massachusetts. Its Q2 2026 call report shows $1.9B in total assets and $1.4B in deposits and 18 offices.

Fall River Five Cents Savings Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 80th. Problem-loan coverage contributes the most (86/100, 7.1%); earnings contributes the least (36/100, 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.70%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.73%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 104.5% · 26.9% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.14%

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 (53 → 52).

TellerScore
515456Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202455
Q4 202454
Q1 202552
Q2 202553
Q3 202554
Q4 202551
Q1 202652
Q2 202652
Tier 1 leverage ratio
5.00%6.85%8.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.41%
Q3 20248.37%
Q4 20248.12%
Q1 20258.14%
Q2 20258.29%
Q3 20258.37%
Q4 20258.36%
Q1 20268.47%
Q2 20268.70%
Noncurrent loans
0.19%0.46%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.19%
Q4 20240.20%
Q1 20250.25%
Q2 20250.39%
Q3 20250.37%
Q4 20250.65%
Q1 20260.66%
Q2 20260.73%
Return on assets
-0.06%0.16%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.33%
Q4 20240.21%
Q1 2025-0.06%
Q2 20250.28%
Q3 20250.31%
Q4 20250.30%
Q1 20260.29%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$1.9B8.70%0.73%0.39%104.5%
Q1 202652$1.9B8.47%0.66%0.29%103.6%
Q4 202551$1.9B8.36%0.65%0.30%106.0%
Q3 202554$1.9B8.37%0.37%0.31%108.0%
Q2 202553$1.9B8.29%0.39%0.28%109.0%
Q1 202552$1.9B8.14%0.25%-0.06%105.9%
Q4 202454$1.9B8.12%0.20%0.21%106.8%
Q3 202455$1.9B8.37%0.19%0.33%108.4%
Q2 202456$1.9B8.41%0.22%0.39%109.8%

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 ratio8.70%
8th
Total risk-based capital12.38%
35th
Problem loans0.73%
37th
Net charge-offs-0.02%
96th
Return on assets0.39%
6th
Net interest margin2.53%
6th
Efficiency ratio83.5%
5th
Loans to deposits104.5%
8th
Uninsured deposits26.9%
63rd
Loan-loss reserves0.68%
10th
Texas ratio7.1%
25th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
North Easton Savings BankBank South Easton, MA59 out of 100, Moderate$1.8B11.2%1.64%vs
The Lowell Five Cent Savings BankBank Tewksbury, MA65 out of 100, Moderate$1.9B12.7%1.03%vs
Florence BankBank Florence, MA74 out of 100, Strong$2.0B12.2%0.46%vs
TruNorth BankBank Easthampton, MA48 out of 100, Below average$2.0B9.8%1.67%vs
Cape & Coast BankBank Yarmouth Port, MA53 out of 100, Below average$1.7B9.7%0.94%vs
Everett Co-operative BankBank Everett, MA62 out of 100, Moderate$1.7B9.8%0.10%vs

Deposit insurance

Is my money safe at Fall River Five Cents Savings Bank?

Yes. Fall River Five Cents Savings Bank is an FDIC-insured institution (FDIC certificate #23286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.9% of deposits ($370.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.38% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

Fall River Five Cents Savings Bank lists 12 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fall River Five Cents Savings Bank reported 1,480 home-loan applications under HMDA (LEI 549300Q61S3IBOJITT02): 1,079 originated ($390,995,000 total), 205 denied, and 189 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, 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
Fall River Five Cents Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
23286
RSSD ID
833404
Primary regulator
FED
Holding company
Bankfive Mhc
Established
April 10, 1855
Headquarters
79 N Main St, Fall River, MA 02720
Employees
191

Quick answers

Fall River Five Cents Savings Bank: common questions

Is Fall River Five Cents Savings Bank FDIC insured?

Yes. Fall River Five Cents Savings Bank is an FDIC-insured institution (FDIC certificate #23286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fall River Five Cents Savings Bank's TellerScore?

52 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 Fall River Five Cents Savings Bank ever failed?

There is no failure record for FDIC certificate #23286 in the FDIC failed bank list.

How many branches does Fall River Five Cents Savings Bank have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fall River

InstitutionScoreAssetsCapitalProblem loansCompare
Natco Employees Federal Credit UnionCredit union West Warwick, RI93 out of 100, Very strong$208K17.4%0.00%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI78 out of 100, Strong$9.2M19.3%0.95%vs
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs