The Bank of Canton
Total assets
$782.5M
▲ +3.6% YoY
Deposits
$661.1M
▲ +3.8% YoY
Loans
$531.1M
▲ +2.3% YoY
Offices
6
PONKAPOAG BCORP MHC
ROA (annualized)
0.51%
peers 1.28%
ROE (annualized)
3.56%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Bank of Canton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.9% | -1.3 pts |
| Deposit growth (YoY) | +3.8% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +2.3% | +5.3% | -3.0 pts |
| ROA | 0.51% | 1.28% | -0.8 pts |
| ROE | 3.6% | 12.4% | -8.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
Profile
- Established
- 1835
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PONKAPOAG BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 490 Turnpike St, Canton, MA, 02021
- County
- Norfolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 6
- FDIC cert #
- 90175
- RSSD ID
- 853804
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $782.5M | $661.1M | $531.1M | $114.1M | $2.0M | 0.51% | 3.65% | 0.62% |
| Q1 2026 | $792.8M | $674.5M | $532.9M | $111.3M | $256K | 0.13% | 3.64% | 0.82% |
| Q4 2025 | $762.3M | $643.3M | $539.5M | $112.1M | $6.4M | 0.85% | 3.84% | 0.01% |
| Q3 2025 | $778.3M | $661.6M | $526.6M | $110.1M | $4.6M | 0.81% | 3.85% | 0.02% |
| Q2 2025 | $755.3M | $636.7M | $519.2M | $107.9M | $2.9M | 0.77% | 3.84% | 0.03% |
| Q1 2025 | $743.3M | $625.5M | $516.7M | $107.6M | $1.4M | 0.77% | 3.86% | 0.02% |
| Q4 2024 | $735.1M | $618.9M | $522.8M | $106.0M | $7.0M | 0.93% | 3.94% | 0.14% |
| Q3 2024 | $742.6M | $627.1M | $523.3M | $106.0M | $5.4M | 0.95% | 3.94% | 0.14% |
Loan mix (Q2 2026): real estate $517.7M · commercial $8.0M · consumer $282K · securities $152.0M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Bank of Canton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.28% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 12.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.89% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 61.2% | 82th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Bank of Canton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Bank of Canton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Bank of Canton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Bank of Canton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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