TellerScore

Headquartered in Easthampton, Massachusetts, TruNorth Bank is a state-chartered bank (fed member) with $2.0B in total assets and $1.8B in deposits as of Q2 2026. It operates 56 offices across 3 states. Its charter dates back to 1869.

Based on its Q2 2026 filing, TruNorth Bank scores 48/100, which we describe as below average. That is higher than only 6% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 85th. Its strongest component is problem-loan coverage (75/100; 12.5%), and its lowest is earnings (41/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.82%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.67%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 90.1% · 34.4% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.52%

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 rose 5 points (43 → 48), mostly because the loan quality component improved by 14 points.

TellerScore
384959Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202455
Q4 202438
Q1 202540
Q2 202543
Q3 202544
Q4 202551
Q1 202659
Q2 202648
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.66%
Q3 20249.74%
Q4 20249.81%
Q1 20259.78%
Q2 20259.83%
Q3 202510.02%
Q4 20259.57%
Q1 20269.87%
Q2 20269.82%
Noncurrent loans
0.86%1.70%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.93%
Q3 20240.93%
Q4 20242.55%
Q1 20252.39%
Q2 20252.10%
Q3 20252.15%
Q4 20250.86%
Q1 20260.88%
Q2 20261.67%
Return on assets
0.06%0.45%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.64%
Q3 20240.61%
Q4 20240.56%
Q1 20250.50%
Q2 20250.53%
Q3 20250.60%
Q4 20250.06%
Q1 20260.84%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$2.0B9.82%1.67%0.52%90.1%
Q1 202659$2.0B9.87%0.88%0.84%90.5%
Q4 202551$2.0B9.57%0.86%0.06%92.8%
Q3 202544$2.0B10.02%2.15%0.60%94.8%
Q2 202543$2.0B9.83%2.10%0.53%96.2%
Q1 202540$2.0B9.78%2.39%0.50%93.7%
Q4 202438$2.0B9.81%2.55%0.56%99.1%
Q3 202455$2.0B9.74%0.93%0.61%96.0%
Q2 202455$2.0B9.66%0.93%0.64%93.7%

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 ratio9.82%
32nd
Total risk-based capital13.23%
44th
Problem loans1.67%
12th
Net charge-offs0.08%
35th
Return on assets0.52%
9th
Net interest margin3.29%
26th
Efficiency ratio69.6%
22nd
Loans to deposits90.1%
40th
Uninsured deposits34.4%
40th
Loan-loss reserves1.16%
51st
Texas ratio12.5%
10th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Florence BankBank Florence, MA74 out of 100, Strong$2.0B12.2%0.46%vs
The Village BankBank Newton, MA58 out of 100, Moderate$2.1B9.5%0.23%vs
The Lowell Five Cent Savings BankBank Tewksbury, MA65 out of 100, Moderate$1.9B12.7%1.03%vs
Fall River Five Cents Savings BankBank Fall River, MA52 out of 100, Below average$1.9B8.7%0.73%vs
North Easton Savings BankBank South Easton, MA59 out of 100, Moderate$1.8B11.2%1.64%vs
Country Bank for SavingsBank Ware, MA71 out of 100, Strong$2.2B14.8%1.14%vs

Deposit insurance

Is my money safe at TruNorth Bank?

Yes. TruNorth Bank is an FDIC-insured institution (FDIC certificate #90188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.4% of deposits ($604.4M) 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 9.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.23% (benchmark: 10%).

Check how much of your own balance is covered

56 locations

Branches

TruNorth Bank lists 55 offices in 43 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
TruNorth Bank
Former names
Easthampton Savings Bank; Bankesb
Type
State-chartered bank (Fed member)
FDIC certificate #
90188
RSSD ID
859002
Primary regulator
FED
Holding company
Hometown Financial Group Mhc
Established
February 10, 1869
Headquarters
36 Main St, Easthampton, MA 01027
Employees
261

Quick answers

TruNorth Bank: common questions

Is TruNorth Bank FDIC insured?

Yes. TruNorth Bank is an FDIC-insured institution (FDIC certificate #90188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TruNorth Bank's TellerScore?

48 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 TruNorth Bank ever failed?

There is no failure record for FDIC certificate #90188 in the FDIC failed bank list.

How many branches does TruNorth Bank have?

56 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Easthampton

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Springfield Credit UnionCredit union Springfield, MA94 out of 100, Very strong$230.3M19.7%0.45%vs
MassMutual Private Wealth & Trust, FSBBank Springfield, MA93 out of 100, Very strong$93.7M32.2%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs
Florence BankBank Florence, MA74 out of 100, Strong$2.0B12.2%0.46%vs
Enfield Community Federal Credit UnionCredit union Enfield, CT72 out of 100, Strong$45.8M9.4%0.28%vs