Bankesb
Easthampton, Massachusetts · FDIC Cert #90188
Bankesb is an FDIC-insured bank (Certificate #90188) with $2.0B in total assets and $1.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Easthampton, Massachusetts, the bank maintains a Tier 1 capital ratio of 11.61% (Well-Capitalized) and a nonperforming loan ratio of 0.93%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bankesb (FDIC cert 90188) is a mid-sized bank with $2.0B in total assets and $1.7B in deposits, based in Easthampton, Massachusetts. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.61% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.93% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.82% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bankesb carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bankesb
- Total Assets
- $2.0B
- Total Deposits
- $1.7B
- Tier 1 Capital Ratio
- 11.61%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.93%
- Liquidity Ratio
- 15.41%
- Return on Assets
- 0.82%
- Headquarters
- Easthampton, Massachusetts
- FDIC Certificate
- #90188
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bankesb holds a Tier 1 capital ratio of 11.61%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bankesb has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bankesb shows strong financial health indicators. With $2.0B in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bankesb Compares
Bankesb’s Health Score of 66 is 2 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 11.61% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 0.93% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.82% is below the national ROA benchmark of ~1.1%. Among 614 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Bankesb is 4 points below the portfolio average of 70.
Frequently Asked Questions
Bankesb has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.61%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bankesb's Tier 1 capital ratio of 11.61% and nonperforming loan ratio of 0.93% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bankesb is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90188). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bankesb holds $2.0B in total assets and $1.7B in total deposits. It is headquartered in Easthampton, Massachusetts (FDIC Certificate #90188).
Bankesb has a Tier 1 capital ratio of 11.61%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.93%, and the return on assets is 0.82%.
Yes. Bankesb is FDIC-insured (Certificate #90188). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bankesb's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.