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Fall River Five Cents Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 23286

Designations: ✓ Community bank

Fall River, MA

18 branches across MA · RI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +2.2% year over year ($1.4B on the books).
  • Delinquency rate 0.73%.
  • Return on assets 0.39%.
  • Efficiency ratio 83.45% vs a 59.73% peer average.
  • Loan-to-deposit ratio 104.48% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Fall River Five Cents Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 1.2% in tier
  • - Liquidity Strain: Bottom 29.4% in tier
  • - Efficiency Drag: Bottom 43.3% in tier
  • - Return on Assets 1.00% below tier average
  • - Net Interest Margin 1.35% below tier average
Get updates when Fall River Five Cents Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.9B
-1.0% YoY -2.0% QoQ
-$936.6M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $1.4B
-2.1% YoY +1.3% QoQ
-$524.2M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $1.4B
+2.2% YoY +0.5% QoQ
-$941.5M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 0.39%
+39.8% YoY +34.3% QoQ
-1.00% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 5.5% in tier
Net Interest Margin ? 2.53%
+17.7% YoY +4.1% QoQ
-1.35% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 5.0% in tier
Efficiency Ratio ? 83.45%
-3.4% YoY -5.0% QoQ
+23.73% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 4.5% in tier
Delinquency Rate ? 0.73%
+84.8% YoY +11.1% QoQ
-0.13% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 104.48%
-4.2% YoY +0.8% QoQ
+19.45% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 8.0% in tier
Non-Interest-Bearing Deposit Share ? 19.86%
+5.3% YoY +7.3% QoQ
-1.42% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.57%
+82.8% YoY +14.9% QoQ
-0.11% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 11.61%
+7.5% YoY -0.6% QoQ
-3.23% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.27%
-23.8% YoY +89.2% QoQ
-0.26% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 19.9%
+1.0pp YoY
+1.4pp QoQ
 -1.5pp 21.4% 16.2% 22.2% 50%
Brokered Deposits 3.6%
-0.5pp YoY
0.0pp QoQ
 -5.8pp 9.5% 6.1% 8.5% 39%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 7.7%
-1.1pp YoY
-0.1pp QoQ
 -6.3pp 14.0% 6.5% 12.5% 32%
CRE 41.4%
+0.4pp YoY
+0.1pp QoQ
 -8.7pp 50.0% 40.3% 41.4% 28%
1-4 Family 48.8%
+1.1pp YoY
+0.1pp QoQ
 +22.3pp 26.4% 52.4% 31.3% 89%
Consumer 1.1%
-0.1pp YoY
-0.1pp QoQ
 -3.6pp 4.7% 1.6% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 11.6%
+0.8pp YoY
-0.1pp QoQ
 -4.0pp 15.6% 16.6% 19.7% 17%
Leverage Ratio 8.7%
+0.4pp YoY
+0.2pp QoQ
 -2.6pp 11.3% 11.5% 12.6% 7%
Total Capital Ratio 12.4%
+0.9pp YoY
-0.1pp QoQ
 -4.3pp 16.7% 17.5% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 191
-13 (-6.4%) YoY
-7 (-3.5%) QoQ
 -123 313 755 482 38%
Assets per Employee ($) $9.7M
+5.8% YoY
+1.5% QoQ
 -$761K $10.5M $10.7M $8.8M 63%
Branch Count 18
-1 (-5.3%) YoY
0 QoQ
 -2 20 13 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.7%
+0.3pp YoY
+0.1pp QoQ
 -0.1pp 0.8% 0.8% 1.0% 63%
Allowance Coverage 0.93x
-42.2% YoY
-9.6% QoQ
 -17.78x 18.71x 7.95x 20.23x 20%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 5.4%
+1.2pp YoY
+1.3pp QoQ
 -7.2pp 12.6% 5.6% 11.6% 9%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.9% 2.0% 1.7% 71%
Net Income ($, YTD) $3.7M
+39.9% YoY
— QoQ
 -$15.6M $19.2M $31.7M $40.4M 6%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#3 of 162 • Bottom 1.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.39%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#107 of 361 • Bottom 29.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 104.48%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#27 of 60 • Bottom 43.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.45%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

846
Efficiency Ratio
profitability
Value: 83.45%
Peer Median: 59.73%
#846 of 885 Bottom 4.5% in $1B-$10B
842
Net Interest Margin
profitability
Value: 2.53%
Peer Median: 3.87%
#842 of 885 Bottom 5.0% in $1B-$10B
837
Return on Assets
profitability
Value: 0.39%
Peer Median: 1.39%
#837 of 885 Bottom 5.5% in $1B-$10B
815
Loan-to-Deposit Ratio
liquidity
Value: 104.48%
Peer Median: 85.04%
#815 of 885 Bottom 8.0% in $1B-$10B
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