$2.02B
+2.4%y/y
Percentile by value73rd percentileby value
FDIC
ASSETFB
Florence Bank
Florence, MassachusettsFDIC Cert #23293
STATEEstablished 187313 branches
Holding company: FLORENCE BCORP MHCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFlorence Bank reported $2.02B in total assets. Deposits grew 4.06% over the prior year.
Return on assets was 0.66%, compared with an asset-peer median of 1.16%. The leverage ratio was 12.22%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.78B
+4.1%y/y
Percentile by value76th percentileby value
FDIC
DEP$1.24B
+5.4%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET0.66%
+12 bpsy/y
Peer standing17th percentile
FDIC
NETINC + ROA70.52%
−377 bpsy/y
Peer standing25th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.22%
+52 bpsy/y
Peer standing78th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.84B | $1.64B |
| Q3 2021 | $1.87B | $1.67B |
| Q4 2021 | $1.93B | $1.72B |
| Q1 2022 | $1.95B | $1.76B |
| Q2 2022 | $1.93B | $1.75B |
| Q3 2022 | $1.89B | $1.71B |
| Q4 2022 | $1.86B | $1.68B |
| Q1 2023 | $1.86B | $1.67B |
| Q2 2023 | $1.86B | $1.65B |
| Q3 2023 | $1.88B | $1.66B |
| Q4 2023 | $1.91B | $1.64B |
| Q1 2024 | $2.12B | $1.66B |
| Q2 2024 | $2.12B | $1.65B |
| Q3 2024 | $2.14B | $1.65B |
| Q4 2024 | $1.96B | $1.69B |
| Q1 2025 | $1.97B | $1.71B |
| Q2 2025 | $1.94B | $1.68B |
| Q3 2025 | $1.95B | $1.69B |
| Q4 2025 | $2.01B | $1.75B |
| Q1 2026 | $2.02B | $1.78B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $78.5M |
| Investor CRE | $292M |
| Multifamily | $65.6M |
| Construction | $25.4M |
| 1–4 family | $754M |
| C&I | $36.1M |
| Agriculture | $0 |
| Other | $305K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.66%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE6.28%16th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY2.77%9th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.52%25th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+4.06%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+5.38%47th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.49%52nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ12.22%78th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.78%90th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.66%57th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.12%Median 0.58%90th 1.12%Observations 94
ROE
FDIC
NETINC + ROE6.28%65th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.15%Median 5.41%90th 9.04%Observations 94
NIM
FDIC
NIM + NIMY2.77%34th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.22%Median 2.97%90th 3.89%Observations 94
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.52%69th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 58.12%Median 75.85%90th 93.70%Observations 94
Deposits YoY
FDIC
DEP+4.06%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.96%Median +3.50%90th +12.18%Observations 91
Loans YoY
FDIC
LNLSNET+5.38%65th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.59%Median +3.61%90th +15.78%Observations 90
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.49%44th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.45%90th 1.71%Observations 90
Leverage
FDIC
RBC1AAJ12.22%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.65%Median 10.47%90th 14.98%Observations 94
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.78%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.94%Median 2.66%90th 3.44%Observations 91
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 37%Median 214%90th 323%Observations 64
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.66%47th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.30%Median 0.68%90th 1.03%Observations 35
ROE
FDIC
NETINC + ROE6.28%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.15%Median 6.06%90th 8.74%Observations 35
NIM
FDIC
NIM + NIMY2.77%26th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.51%Median 3.01%90th 3.71%Observations 35
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.52%59th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 61.12%Median 73.62%90th 86.48%Observations 35
Deposits YoY
FDIC
DEP+4.06%58th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.17%Median +3.67%90th +12.00%Observations 34
Loans YoY
FDIC
LNLSNET+5.38%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.60%Median +2.89%90th +17.37%Observations 34
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.49%55th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.63%90th 1.92%Observations 34
Leverage
FDIC
RBC1AAJ12.22%76th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 10.18%90th 14.77%Observations 35
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.78%97th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.99%Median 2.62%90th 3.42%Observations 34
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 65%Median 248%90th 323%Observations 25
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
13 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data