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Fall River Five Cents Savings Bank
Fall River, MA · FDIC Certificate #23286 · Chartered 04/1
Total assets
$1.86B
Total deposits
$1.38B
Total equity
$137.96M
Net loans
$1.44B
Branches (offices)
13
Net income (YTD)
$3.66M
Rank: #636 of 4,213 U.S. banks by assets · #28 of 89 in Massachusetts. Assets changed -1.0% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 5.38% |
| Net interest margin (YTD) | 2.53% |
| Equity to assets | 7.43% |
| Tier 1 leverage ratio | 8.70% |
| Uninsured deposits (share of deposits) | 26.9% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 104.5% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.30B | 90.1% | |
| Commercial & industrial | $111.23M | 7.7% | |
| Consumer / individual | $15.90M | 1.1% | |
| Construction & development | $32.32M | 2.2% | |
| Agricultural | $24.96M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.27B | $4.62M | $105.92M |
| Jun 2023 | $1.78B | $1.29B | $3.26M | $113.50M |
| Jun 2024 | $1.86B | $1.31B | $3.55M | $123.51M |
| Jun 2025 | $1.88B | $1.35B | $2.61M | $128.34M |
| Jun 2026 | $1.86B | $1.38B | $3.66M | $137.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.37B | 12 |
| Rhode Island | $6.00M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.38B.
Similar-sized banks
Security National Bank Of Omaha ($1.86B) · Independent Bank ($1.85B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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