FDIC Cert #26536 · Gloucester, Massachusetts · Est. 1887

BankGloucester - FDIC Bank Health Profile

A community-scale look at BankGloucester's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$390M
Total assets
C
Health grade · Fair
0.37%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

BankGloucester earns a PlainBankData health grade of C (52/100), with well-capitalized at 12.21% Tier 1, 0.37% ROA, 83% efficiency ratio.

#2,118
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
12.21%
Tier 1 ratio - above the 10% well-capitalized line
11th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 26536 · MA C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4083/4307
  • PHOTO-FINISH Balboa Thrift and Lo… · CA
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-HEALTHY 23.9% Texas
  • ROA-THIN 0.37% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Balboa Thrift and Loan Association, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BankGloucester

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Balboa Thrift and Lo… · CA ·…52/100BankGloucester · MA · this b…52/100First Federal Bank &… · WY ·…52/100High Country Bank · CO · near52/100Spectra Bank · TX · near52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BankGloucester · July 2026

Plate reading for BankGloucester where failures stay rare

BankGloucester (FDIC Cert #26536) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,083 of 4,307. Tier 1 capital prints at 12.21%, clearing the 10% well-capitalized line. The Texas Ratio is 23.93%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.37%. Balance-sheet scale is $390M, 2,118th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Balboa Thrift and Loan Association (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BankGloucester

Only 1 FAILURE resolution in Massachusetts since 2000

BankGloucester is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How BankGloucester's 52/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10052/100
BankGloucester's composite health score
Tier 1 Capital Ratio (12.21%) 35/40
Return on Assets (ROA) (0.37%) 7/25
Texas Ratio (23.93%) 10/20
Efficiency Ratio (83.22%) 0/15

52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$390M

Total balance-sheet footings

Total Deposits

$314M

Customer-funded liabilities

Net Loans

$337M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.81% 12.21% 13.61%
Basel III capital ratios - BankGloucester

Where BankGloucester ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankGloucester's score of 52/100 falls in the highlighted band.

BankGloucester: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. BankGloucester 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

BankGloucester's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BankGloucester's $390M falls in the highlighted band.

Safety metrics: BankGloucester

Tier 1 capital ratio
Well-capitalized 10%

12.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.21%
Texas Ratio
23.93%
Equity Capital
$32M

What these ratios mean →

Profitability metrics: BankGloucester

Return on Assets (ROA)
11th percentile nationally
0.37%
Return on Equity (ROE)
4.65%
Efficiency Ratio
83.22%

What these mean →

Income & expense at BankGloucester

$21M
Interest Income
$805K
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BankGloucester reports a Texas Ratio of 23.93% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

23.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BankGloucester on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($390M here), outside Massachusetts so the neighborhood is not state containment.

RSNB Bank $390M · WY The Security National Bank of Enid $390M · OK Guaranty State Bank and Trust Company $390M · KS Union Bank $391M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankGloucester (FDIC Cert #26536) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

BankGloucester Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%