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Florence Bank

$1B-$10B Specialty: Other MA FDIC cert 23293

Designations: ✓ Community bank

Florence, MA

13 branches across MA

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

Florence Bank has 1 strength but faces 4 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 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 28.6% in tier
  • - Net Interest Margin 1.04% below tier average
  • - ROA 0.71% below tier average
  • - Efficiency Ratio 9.46% above tier average
Get updates when Florence Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.0B
+2.4% YoY +0.5% QoQ
-$798.0M $2.8B
-0.1% YoY
$6.8B
+9.3% YoY
$6.2B
+9.1% YoY
51%
Total Loans ? $1.2B
+5.4% YoY +0.9% QoQ
-$720.1M $2.0B
+0.6% YoY
$2.4B
+16.6% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $1.8B
+4.1% YoY +1.3% QoQ
-$566.0M $2.3B
-0.3% YoY
$5.3B
+11.5% YoY
$4.8B
+8.2% YoY
53%
Return on Assets ? 0.66%
+21.8% YoY +6.1% QoQ
-0.71% 1.37%
+19.6% YoY
0.49%
+59.0% YoY
1.23%
+13.4% YoY
Bottom 14.8% in tier
Net Interest Margin ? 2.77%
+9.2% YoY +2.0% QoQ
-1.04% 3.82%
+6.9% YoY
3.03%
+10.0% YoY
3.89%
+5.7% YoY
Bottom 9.8% in tier
Efficiency Ratio ? 70.52%
-5.1% YoY +0.1% QoQ
+9.46% 61.06%
-4.6% YoY
80.02%
-2.5% YoY
66.95%
-4.1% YoY
21%
Delinquency Rate ? 0.49%
+58.1% YoY +131.7% QoQ
-0.40% 0.89%
+14.1% YoY
0.73%
+28.2% YoY
0.95%
+18.8% YoY
54%
Loan-to-Deposit Ratio ? 70.04%
+1.3% YoY -0.4% QoQ
-14.17% 84.20%
+0.3% YoY
92.37%
-0.3% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 24.94%
-4.9% YoY -3.0% QoQ
+3.65% 21.29%
-2.5% YoY
15.85%
-3.7% YoY
22.01%
-1.2% YoY
71%
Nonperforming Asset Ratio ? 0.30%
+62.6% YoY +132.8% QoQ
-0.37% 0.67%
+15.6% YoY
0.58%
+29.6% YoY
0.67%
+19.3% YoY
63%
Tier 1 Capital Ratio ? 12.22%
+4.5% YoY +1.0% QoQ
-2.94% 15.16%
+2.0% YoY
14.58%
+1.9% YoY
17.06%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.09%
+1.9% YoY -76.3% QoQ
-0.17% 0.26%
+1.6% YoY
0.11%
+1.3% YoY
0.32%
+4.1% YoY
29%

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 (1)

Credit Risk Growth

risk
#121 of 420 • Bottom 28.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (1 metrics)

149
Loan-to-Deposit Ratio
liquidity
Value: 70.04%
Peer Median: 84.20%
#149 of 884 Top 16.7% in $1B-$10B

Top Weaknesses (3 metrics)

798
Net Interest Margin
profitability
Value: 2.77%
Peer Median: 3.82%
#798 of 884 Bottom 9.8% in $1B-$10B
754
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.37%
#754 of 884 Bottom 14.8% in $1B-$10B
695
Efficiency Ratio
profitability
Value: 70.52%
Peer Median: 61.06%
#695 of 884 Bottom 21.5% in $1B-$10B
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