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Bristol County Savings Bank

IDRSSD: 13103
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 13103 held $3.2B in total assets as of 2026-03-31 (+0.3% quarter-over-quarter). Total loans stood at $2.6B (-0.0% QoQ) and total deposits at $2.6B (+2.7% QoQ).

Overall position is adequate — the composite Health Score is 47/100 (Adequate). Tier 1 / RWA stands at 18.08%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
47/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$3.2B
+0.3% QoQ
Total Loans
$2.6B
-0.0% QoQ
Total Deposits
$2.6B
+2.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
18.08%
88th pctile · n=317↑ better
+27 bp QoQ
CET1 / RWA
18.08%
91th pctile · n=387↑ better
+27 bp QoQ
Total RBC / RWA
19.17%
88th pctile · n=317↑ better
+25 bp QoQ
Tier 1 Leverage Ratio
18.08%
90th pctile · n=387↑ better
+27 bp QoQ

Liquidity

Cash / Assets
2.46%
19th pctile · n=387↑ better
+59 bp QoQ
Loans / Deposits
99.50%
83th pctile · n=385↓ better
-273 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.60%
51th pctile · n=387↓ better
-5 bp QoQ
NPA / Assets
0.50%
52th pctile · n=387↓ better
-4 bp QoQ
Texas Ratio (regulatory)
3.29%
44th pctile · n=387↓ better
-29 bp QoQ
Net Charge-Offs / Avg Loans
0.10%
71th pctile · n=387↓ better
+8 bp QoQ
ALLL Coverage of NPL
157.11%
45th pctile · n=387↑ better
+841 bp QoQ

Earnings

Net Interest Margin
3.36%
34th pctile · n=387↑ better
-5 bp QoQ
Return on Assets
0.70%
16th pctile · n=387↑ better
-7 bp QoQ
Return on Equity
4.76%
10th pctile · n=387↑ better
-46 bp QoQ
Efficiency Ratio
77.43%
90th pctile · n=387↓ better
+240 bp QoQ
Pre-tax NOI / Avg Assets
0.88%
15th pctile · n=387↑ better
-6 bp QoQ

Funding

Brokered / Deposits
0.00%
16th pctile · n=385↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.25%
33th pctile · n=387↓ better
-214 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.02%
30th pctile · n=387↑ better
-17 bp QoQ
AFS Securities / Assets
8.87%
35th pctile · n=387↑ better
-26 bp QoQ
HTM Securities / Assets
0.57%
65th pctile · n=387↑ better
-1 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 03:36:16 UTC