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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Bank of Canton

Canton, Massachusetts · $783M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

81.4%
Loans / deposits
2nd of 12
14.6%
Equity / assets
2nd of 12
0.90%
NPA / loans
11th of 12

Bank of Canton is the eighth largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $783M in assets at 30 June 2026. Loans are 81.4% of deposits, 2nd of 12 against a median of 90.8%, and equity is 14.6% of assets, 2nd of 12. Loans grew +2.6% in the year, 8th of 12, and deposits grew 3.8%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.90% of the book, 11th of 12 against a median of 0.21%; 0.36% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 43.2% of loans, 7th of 12 against a median of 42.5%, and 190% of capital, below the 300% screen, with construction at 31% against the 100% screen.

Return on assets is 0.50%, 6th of 12 against a median of 0.50%, on an efficiency ratio of 73.9%, 5th of 12. Five years ago it was 0.93%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 90.8% GC Greenfield Coop Bank 69.7% Bo Bank of Canton 81.4% SB Savings Bank 84.2% RB Rollstone Bank & Trust 85.4% MS Monson Savings Bank 88.4% CS Clinton Savings Bank 89.1% MF Middlesex Federal Savings Fa 92.5% SA Stonehambank A Coop Bank 93.0% EB Eagle Bank 95.0% SC Savers Coop Bank 108.9% WC Walpole Coop Bank 109.3% MC Mechanics Coop Bank 109.8%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.8% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% WC Walpole Coop Bank +2.8% Bo Bank of Canton +2.6% MF Middlesex Federal Savings Fa +0.0% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% RB Rollstone Bank & Trust -12.9%

SBA 7(a), FY2008 to FY2026

Bank of Canton is the 126th largest 7(a) lender into Massachusetts of 309, with $5M across 41 loans, 0.1% of everything approved in the state (Eastern Bank leads with $778M). 2 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Norfolk, MA$5M39th of 1450.6%thin
Suffolk, MA$585K82nd of 1300.1%quiet FY2014
Middlesex, MA$50K188th of 1900.0%quiet FY2012
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance4$1M20.0%0.00%1138th of 2,172
Retail trade5$1M19.6%0.00%1504th of 2,589
Construction9$1M19.3%0.00%1187th of 2,063
Manufacturing11$685K12.9%0.00%1549th of 2,246
Accommodation & food services4$604K11.3%0.00%1821st of 2,596
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Bank of Canton
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans TB The Bank of Canton 0.1% $5M · 41 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank of CantonRankCohort median
Total CRE against capital, the 300% screen190%3rd of 12293%
Construction against capital, the 100% screen31%3rd of 1256%
Construction and land development, share of loans7.1%5th of 127.2%
Non-owner-occupied nonfarm nonresidential, share of loans26.3%9th of 1219.7%
Total CRE, the guidance definition, share of loans43.2%7th of 1242.5%
CRE growth over 36 months, the third prong-18.6%1st of 12+18.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Middlesex Federal Savings Fa$654M0.1%93.1%0.04%0.00%1.2%92.5%8.7%
Walpole Coop Bank$646M1.1%57.2%0.11%0.00%1.3%109.3%19.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of CantonCohort median
20212026Change20212026Change
Loans$523M$538M+3%$465M$583M+25%
Deposits$896M$661M-26%$548M$669M+22%
NPA / loans0.53%0.90%+0.37 pts0.38%0.21%-0.17 pts
Efficiency72.1%73.9%+1.9 pts75.1%76.2%+1.2 pts
ROA0.93%0.50%-0.43 pts0.77%0.50%-0.27 pts

This read was prepared for Bank of Canton's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Canton is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $300M to $1B
Institution www.thebankofcanton.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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