Bankprov
Amesbury, Massachusetts · FDIC Cert #90141
Bankprov is an FDIC-insured bank (Certificate #90141) with $1.6B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Amesbury, Massachusetts, the bank maintains a Tier 1 capital ratio of 12.64% (Well-Capitalized) and a nonperforming loan ratio of 1.56%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bankprov (FDIC cert 90141) is a mid-sized bank with $1.6B in total assets and $1.3B in deposits, based in Amesbury, Massachusetts. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.64% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.56% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.24% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Bankprov carries a composite BankHealth grade of C (59/100) 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: Bankprov
- Total Assets
- $1.6B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 12.64%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.56%
- Liquidity Ratio
- 12.08%
- Return on Assets
- 0.24%
- Headquarters
- Amesbury, Massachusetts
- FDIC Certificate
- #90141
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bankprov holds a Tier 1 capital ratio of 12.64%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bankprov has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bankprov shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Bankprov Compares
Bankprov’s Health Score of 59 is 9 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 12.64% Tier 1 capital ratio is 1.4 points below the US banking industry average near 14%. The 1.56% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.24% is below the national ROA benchmark of ~1.1%. Among 730 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Bankprov is 11 points below the portfolio average of 70.
Frequently Asked Questions
Bankprov has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.64%, 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. Bankprov's Tier 1 capital ratio of 12.64% and nonperforming loan ratio of 1.56% indicate an average 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 Bankprov is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90141). 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.
Bankprov holds $1.6B in total assets and $1.3B in total deposits. It is headquartered in Amesbury, Massachusetts (FDIC Certificate #90141).
Bankprov has a Tier 1 capital ratio of 12.64%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.56%, and the return on assets is 0.24%.
Yes. Bankprov is FDIC-insured (Certificate #90141). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bankprov's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.