Bridgewater Savings Bank

756 Orchard Street
Raynham, MA 02767


General Bank Information

FDIC Insured Yes
FDIC Certificate # 90169
Date Established 1872
Assets $0.58 billion
Loans $0.42 billion
Deposits $0.44 billion
Capital $0.05 billion

Bridgewater Savings Bank is an FDIC insured institution located in Raynham, MA. It was founded in 1872 and has approximately $0.58 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Bridgewater Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bridgewater Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Massachusetts, Bridgewater Savings Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.59
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 16.85
Construction and Development Loans 3.27
Commercial Real Estate 31.87
Commercial and Industrial Loans 11.65
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

Savings Rates APY MIN MAX
Fixed IRA 0K
0.40% $2,000 - Learn MoreShow Less
Special: 9 Mo FIRA
1.75% $2,000 - Learn MoreShow Less
Special: 16 Mo FIRA
2.00% $2,000 - Learn MoreShow Less
Special: 25 Mo FIRA
2.50% $2,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.55% $10 - Learn MoreShow Less
MM 10K
0.10% $2,500 - Learn MoreShow Less
Premium MM 10K
0.05% $10 $24,999 Learn MoreShow Less
Premium MM 25K
0.20% $25,000 $74,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $10 - Learn MoreShow Less
Checking Rates APY MIN FEE
Free Checking 0.00% $0 $0.00 Learn MoreShow Less
Interest Checking 0.00% $800 $8.00 Learn MoreShow Less
Premium Checking 0.00% $2,500 $8.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bridgewater Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.447% 4.375% 0.50 $2,244 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bridgewater Savings Bank
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Bridgewater Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Bridgewater Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bridgewater Savings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bridgewater Savings Bank U.S. Bank Average
1.42% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bridgewater Savings Bank had $832,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $54,706,000 in equity and $3,776,000 in loans loss reserves. That gives it a Texas Ratio of 1.42%.

Return on Equity
Bridgewater Savings Bank U.S. Bank Average
5.06% 8.84%

Bridgewater Savings Bank has a Return on Equity of 5.06% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bridgewater Savings Bank U.S. Bank Average
9.49% 12.21%

Bridgewater Savings Bank has a Capitalization of 9.49% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bridgewater Savings Bank Balance Sheet Analysis

As of December 31, 2017, Bridgewater Savings Bank had assets of $576,164,000, loans of $424,136,000, and deposits of $441,255,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.12 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.42 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.52 billion
Total deposits $0.44 billion
      Interest-bearing deposits $0.38 billion
      Deposits held in domestic offices $0.44 billion
      % insured (estimated) 86.07%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.07 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.52 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bridgewater Savings Bank

Branches and Savings

Is Bridgewater Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #90169.

Why does Bridgewater Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bridgewater Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bridgewater Savings Bank a commercial bank?


Where are Bridgewater Savings Bank locations?

See branch locations nearby.

Is Bridgewater Savings Bank open on Saturdays?

Is Bridgewater Savings Bank open on Sundays?

What time does Bridgewater Savings Bank open?

What time does Bridgewater Savings Bank close?

Are Bridgewater Savings Bank ATMs Open 24/7?

Do Bridgewater Savings Bank ATMs accept cash deposits?

Can Bridgewater Savings Bank customers use other ATMs?

Do Bridgewater Savings Bank branches have notaries?

Will Bridgewater Savings Bank notarize my document?

What address for Bridgewater Savings Bank should I put for incoming ACH transfers?

Will the Bridgewater Savings Bank branch print checks?

Do Bridgewater Savings Bank checks expire?

Does Bridgewater Savings Bank require US citizenship to open account?

Can Bridgewater Savings Bank close my account?

Does Bridgewater Savings Bank Report to credit bureaus?

Does Bridgewater Savings Bank Use Equifax?

What is Bridgewater Savings Bank's ACH Routing Number?

What is Bridgewater Savings Bank's SWIFT code?


Does Bridgewater Savings Bank offer mortgages?

Compare mortgage rates here.

Does Bridgewater Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bridgewater Savings Bank offer personal loans?

Compare personal loan rates here.

Does Bridgewater Savings Bank offer student loans?

Will Bridgewater Savings Bank cash a check?

Will Bridgewater Savings Bank redeem a savings bond?

Does Bridgewater Savings Bank cash savings bonds?

Will Bridgewater Savings Bank cash money orders?

Can Bridgewater Savings Bank issue a money order?

Does Bridgewater Savings Bank do currency exchange?

Background on The Bank

Who owns Bridgewater Savings Bank?

How long has Bridgewater Savings Bank been around?

Can Bridgewater Savings Bank transfer to other banks?

Does Bridgewater Savings Bank have quick pay?

Does Bridgewater Savings Bank accept rolled coins?

Will Bridgewater Savings Bank accept loose change?

Where is Bridgewater Savings Bank headquarters?

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