Bristol County Savings Bank
Taunton, Massachusetts · $3.26B in assets · beside the 11 other Massachusetts banks between $3B and $10B
The filing
Bristol County Savings Bank is the eleventh largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $3.26B in assets at 30 June 2026. Loans are 103.5% of deposits, 9th of 12 against a median of 102.7%, and equity is 14.4% of assets, 2nd of 12. Loans grew +8.9% in the year, 3rd of 12, and deposits grew 5.4%; the cohort's median loan growth is +3.5%.
Noncurrent loans are 0.60% of the book, 8th of 12 against a median of 0.57%; 0.08% is 30 to 89 days past due, and the allowance covers them 1.6 times. Commercial real estate is 30.2% of loans, 4th of 12 against a median of 33.5%, and 169% of capital, below the 300% screen, with construction at 24% against the 100% screen.
Return on assets is 0.62%, 10th of 12 against a median of 0.92%, on an efficiency ratio of 77.5%, the highest in the cohort. Five years ago it was 2.61%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.
SBA 7(a), FY2008 to FY2026
Bristol County Savings Bank is the 5th largest 7(a) lender into Rhode Island of 135, with $71M across 287 loans, 5.6% of everything approved in the state (Beacon Bank and Trust leads with $153M). 6 of its 18 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Providence, RI | $56M | 4th of 99 | 8.5% | +2.5 pts |
| Bristol, MA | $40M | 2nd of 112 | 8.4% | -1.4 pts |
| Norfolk, MA | $9M | 22nd of 145 | 1.1% | -1.7 pts |
| Washington, RI | $6M | 7th of 54 | 3.6% | thin |
| Plymouth, MA | $6M | 21st of 107 | 1.1% | -0.5 pts |
| Kent, RI | $6M | 15th of 64 | 2.1% | -0.8 pts |
| New London, CT | $5M | 10th of 61 | 3.3% | quiet FY2017 |
| Worcester, MA | $3M | 54th of 140 | 0.4% | +0.0 pts |
| Newport, RI | $2M | 17th of 48 | 1.7% | thin |
| Middlesex, MA | $2M | 98th of 190 | 0.1% | thin |
| Windham, CT | $2M | 13th of 45 | 3.0% | quiet FY2011 |
| Bristol, RI | $2M | 13th of 41 | 2.6% | thin |
| Barnstable, MA | $1M | 35th of 84 | 0.5% | quiet FY2009 |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Manufacturing | 64 | $37M | 25.7% | 0.09% | 193rd of 2,246 |
| Accommodation & food services | 61 | $20M | 13.9% | 0.03% | 388th of 2,596 |
| Retail trade | 86 | $19M | 13.6% | 0.03% | 316th of 2,589 |
| Construction | 82 | $11M | 8.0% | 0.04% | 338th of 2,063 |
| Wholesale trade | 30 | $11M | 7.6% | 0.04% | 280th of 1,651 |
Commercial real estate against capital
| Bristol County Savings Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 169% | 4th of 12 | 212% |
| Construction against capital, the 100% screen | 24% | 4th of 12 | 26% |
| Construction and land development, share of loans | 4.2% | 7th of 12 | 4.2% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 17.7% | 6th of 12 | 18.3% |
| Total CRE, the guidance definition, share of loans | 30.2% | 4th of 12 | 33.5% |
| CRE growth over 36 months, the third prong | +31.0% | 9th of 12 | +7.5% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $7.42B | 1.0% | 59.3% | 0.43% | 0.45% | 1.3% | 102.6% | 10.9% | |
| $6.98B | 0.4% | 75.9% | 1.26% | 0.09% | 1.0% | 108.8% | 10.2% | |
| $6.15B | 0.7% | 68.2% | 0.33% | 0.01% | 0.9% | 73.2% | 13.1% | |
| $5.62B | 0.7% | 71.8% | 0.47% | 0.02% | 0.5% | 95.7% | 10.6% | |
| $5.56B | 1.1% | 74.0% | 0.04% | 0.00% | 0.3% | 126.5% | 12.5% | |
| $5.28B | 0.9% | 63.4% | 0.03% | 0.00% | 1.0% | 102.9% | 10.5% | |
| $4.62B | 0.4% | 72.0% | 0.57% | 0.21% | 0.6% | 100.3% | 8.9% | |
| $4.56B | 1.2% | 36.3% | 0.78% | 0.00% | 0.8% | 150.5% | 11.1% | |
| $3.38B | 1.9% | 47.1% | 2.07% | 0.07% | 2.2% | 102.9% | 14.1% | |
| $3.32B | 1.0% | 60.9% | 0.58% | 0.12% | 0.5% | 92.7% | 14.7% | |
| $3.26B | 0.6% | 77.5% | 0.60% | 0.06% | 0.9% | 103.5% | 14.4% | |
| $3.11B | 1.0% | 58.1% | 0.62% | 0.01% | 1.4% | 83.6% | 7.6% |
| Bristol County Savings Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $2.06B | $2.73B | +33% | $2.29B | $3.86B | +69% |
| Deposits | $2.47B | $2.64B | +7% | $2.46B | $3.44B | +40% |
| NPA / loans | 0.15% | 0.60% | +0.45 pts | 0.45% | 0.57% | +0.13 pts |
| Efficiency | 64.5% | 77.5% | +13.0 pts | 62.2% | 65.8% | +3.6 pts |
| ROA | 2.61% | 0.62% | -1.99 pts | 1.12% | 0.92% | -0.20 pts |
This read was prepared for Bristol County Savings Bank'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 Bristol County Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.bristolcountysavings.com
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