Fall River Five Cents Savings Bank
Fall River, MA
IDRSSD: 833404
Total Assets
$1.88B
Latest filing
Total Deposits
$1.35B
Latest filing
Net Interest Margin
2.28%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Fall River Five Cents Savings Bank
79 N Main St
Fall River, MA 02720
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/10/1855FDIC Certificate 16319
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Fall River Five Cents Savings Bank (Main) | 79 N Main St | Fall River, MA |
| COUNTY STREET BRANCH | 160 County St | New Bedford, MA |
| ACUSHNET AVE BRANCH | 1724 Acushnet Ave | New Bedford, MA |
| SOMERSET BRANCH | 54 County St | Somerset, MA |
| DARTMOUTH BRANCH | 136 Faunce Corner Mall Rd | Dartmouth, MA |
| GLOBE BRANCH | 1501 S Main St | Fall River, MA |
| FLINT BRANCH | 1301 Pleasant St | Fall River, MA |
| SWANSEA BRANCH | 497 Milford Rd | Swansea, MA |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/10/1855 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 02720 |
| State and County Number | 25005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 15 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Providence-Warwick, RI-MA |
Operational Info
| Number of Employees | 204 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/02/1981 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankfive.com |
| Data Updated | 11/14/2025 |
| CERT | 23286 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.88B |
| Total Deposits | $1.35B |
| Total Liabilities | $1.75B |
| Total Equity Capital | $133.52M |
| Net Income | $1.71M |
| Net Loans and Leases | $1.46B |
| Assets Per Employee ($Millions) | $9.64M |
| Bank Premises and Fixed Assets | $38.10M |
| Cash and Balances due from Depository Institutions | $62.08M |
| Deposits Held in Domestic Offices | $1.35B |
Key Performance Ratios
| Return on Assets (ROA) | 0.36% |
| Return on Equity (ROE) | 5.22% |
| Net Interest Margin | 2.28% |
| Efficiency Ratio | 86.78% |
| Tier 1 Risk-Based Capital Ratio | 11.602% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.103% |
| Earning Assets to total Assets | 94.21% |
Income and Expense
| Total Interest Income | $20.82M |
| Total Noninterest Income | $3.06M |
| Total Interest Expense | $10.75M |
| Total Noninterest Expense | $11.38M |
| Net Interest Income | $10.06M |
| Pre-tax Net Operating Income | $2.19M |
| Provision for Credit Losses | $-461,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $381.34M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.04M |
| Total Liabilities and Capital | $1.88B |
Securities
| Securities | $254.17M |
| Available-for-sale debt securities | $237.69M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $16.20M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Fall River Five Cents Savings Bank?
$1.88B as of the latest filing.
How much are Fall River Five Cents Savings Bank's total deposits?
$1.35B in total deposits.
Where is Fall River Five Cents Savings Bank located?
Fall River, MA.
What is the Net Interest Margin?
2.28%.
How many domestic offices does it operate?
19.
When was it established?
04/10/1855.
What is the Return on Assets (ROA)?
0.36%.
How much are total loans and leases?
$1.46B (latest filing).
What is the total interest income (latest filing)?
$20.82M.