Total Assets
$762M
Total balance-sheet footings
FDIC Cert #90175 · Canton, Massachusetts · Est. 1835
The Bank of Canton - FDIC Bank Health Profile
A community-scale look at The Bank of Canton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $762M
- Total assets
- B
- Health grade · Good
- 0.85%
- Return on assets
- 22.3%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Canton earns a PlainBankData health grade of B (78/100), with well-capitalized at 22.35% Tier 1, 0.85% ROA, 74% efficiency ratio.
- #1,307
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 22.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Bank of Canton's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Canton's composite health score
Tier 1 Capital Ratio (22.35%) 40/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (74.21%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$643M
Customer-funded liabilities
Net Loans
$539M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Canton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Canton's score of 78/100 falls in the highlighted band.
The Bank of Canton'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). The Bank of Canton's $762M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.35%
Texas Ratio
0.04%
Equity Capital
$112M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
5.87%
Efficiency Ratio
74.21%
What the numbers say about The Bank of Canton
The Bank of Canton is an FDIC-insured institution (Certificate #90175) headquartered in Canton, Massachusetts, established in 1835. It holds $762M in total assets - 1,307th of 4,313 FDIC-insured banks, $643M in customer deposits, and $539M in net loans. Capital-wise, the Tier 1 ratio sits at 22.35%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.04%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bank of Canton sits 59th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$38M
Interest Income
$5M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Canton reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Canton (FDIC Cert #90175) - 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.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Bank of Canton's health grade?▼
The Bank of Canton receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Bank of Canton?▼
The Bank of Canton holds $762M in total assets and $643M in deposits, ranking 1,307th of 4,313 FDIC-insured banks by asset size. It is headquartered in Canton, Massachusetts.
Is my money safe at The Bank of Canton?▼
Yes, deposits at The Bank of Canton (Certificate #90175) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Canton's Tier 1 Capital Ratio?▼
The Bank of Canton has a Tier 1 Capital Ratio of 22.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Bank of Canton?▼
The Bank of Canton has a Texas Ratio of 0.04%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Canton?▼
The Bank of Canton has an Efficiency Ratio of 74.21%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Canton's profile as a depositor or analyst.
- The Bank of Canton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Canton against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.