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

Bankesb

Easthampton, Massachusetts · $2.02B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

-6.2%
Loans, year over year
12th of 12, largest first
1.67%
NPA / loans
11th of 12
38.0%
CRE / loans
9th of 12

Bankesb is the third largest of the 12 Massachusetts banks nearest its size between $1B and $3B, with $2.02B in assets at 30 June 2026. Loans are 91.2% of deposits, 6th of 12 against a median of 92.9%, and equity is 9.7% of assets, 7th of 12. Loans grew -6.2% in the year, the slowest in the cohort, and deposits fell 0.1%; the cohort's median loan growth is +2.7%.

Noncurrent loans are 1.67% of the book, 11th of 12 against a median of 0.99%; 0.05% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 38.0% of loans, 9th of 12 against a median of 31.8%, and 281% of capital, below the 300% screen, with construction at 22% against the 100% screen.

Return on assets is 0.52%, 8th of 12 against a median of 0.57%, on an efficiency ratio of 69.6%, 4th of 12. Five years ago it was 1.01%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.99% EC Everett Coop Bank 0.10% EC East Cambridge Savings Bank 0.20% VB Village Bank 0.23% FB Florence Bank 0.46% FR Fall River Five Cents Savings Bank 0.73% CC Cape & Coast Bank 0.94% LF Lowell Five Cent Savings Bank 1.03% BB Bluestone Bank 1.04% CB Country Bank for Savings 1.14% NE North Easton Savings Bank 1.64% B Bankesb 1.67% MS Main Street Bank 1.69%
Loans, year over yearMA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.7% LF Lowell Five Cent Savings Bank +9.0% EC Everett Coop Bank +8.5% FB Florence Bank +6.6% CB Country Bank for Savings +4.6% EC East Cambridge Savings Bank +4.0% VB Village Bank +3.4% CC Cape & Coast Bank +2.0% NE North Easton Savings Bank +1.9% BB Bluestone Bank -0.2% FR Fall River Five Cents Savings Bank -2.0% MS Main Street Bank -5.1% B Bankesb -6.2%

SBA 7(a), FY2008 to FY2026

Bankesb is the 114th largest 7(a) lender into Massachusetts of 309, with $6M across 53 loans, 0.1% of everything approved in the state (Eastern Bank leads with $778M). 5 of its 8 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
Hampshire, MA$3M8th of 553.7%thin
Windham, CT$2M9th of 453.3%quiet FY2016
Hampden, MA$2M31st of 830.6%+0.4 pts
Middlesex, MA$2M94th of 1900.1%thin
Tolland, CT$320K23rd of 350.6%quiet FY2012
New London, CT$250K49th of 610.2%quiet FY2014
Franklin, MA$54K30th of 340.1%quiet FY2016
Worcester, MA$50K137th of 1400.0%quiet FY2015
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
Educational services2$2M19.8%0.03%336th of 1,136
Accommodation & food services13$1M13.5%0.00%1525th of 2,596
Other services9$1M12.0%0.00%1154th of 2,248
Construction13$1M11.4%0.00%1196th of 2,063
Manufacturing10$863K9.9%0.00%1451st of 2,246
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Bankesb
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 B Bankesb 0.1% $6M · 53 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
BankesbRankCohort median
Total CRE against capital, the 300% screen281%9th of 12246%
Construction against capital, the 100% screen22%3rd of 1241%
Construction and land development, share of loans2.9%3rd of 125.8%
Non-owner-occupied nonfarm nonresidential, share of loans28.5%11th of 1219.0%
Total CRE, the guidance definition, share of loans38.0%9th of 1231.8%
CRE growth over 36 months, the third prong-11.8%1st of 12+14.3%

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
Country Bank for Savings$2.24B0.8%70.0%1.14%0.00%1.0%101.6%14.2%
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
North Easton Savings Bank$1.84B0.8%71.8%1.64%0.03%0.5%82.3%11.4%
Cape & Coast Bank$1.68B0.5%77.4%0.94%0.00%0.7%104.3%9.6%
Everett Coop Bank$1.67B0.8%56.5%0.10%0.00%0.7%116.6%9.7%
Main Street Bank$1.67B0.6%75.7%1.69%-0.02%0.9%90.1%11.0%
East Cambridge Savings Bank$1.66B0.4%81.9%0.20%0.00%0.6%100.2%9.4%
Bluestone Bank$1.62B0.3%83.1%1.04%0.16%0.6%90.6%8.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BankesbCohort median
20212026Change20212026Change
Loans$1.19B$1.60B+34%$983M$1.43B+45%
Deposits$1.40B$1.76B+26%$1.18B$1.50B+28%
NPA / loans0.41%1.67%+1.26 pts0.36%0.99%+0.62 pts
Efficiency57.9%69.6%+11.7 pts69.1%73.7%+4.6 pts
ROA1.01%0.52%-0.48 pts0.72%0.57%-0.15 pts

This read was prepared for Bankesb'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 Bankesb 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 $1B to $3B
Institution www.bankesb.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.
← Back to the catalogue