East Bridgewater Savings Bank

Headquarters

29 Bedford Street
East Bridgewater, MA 02333
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

East Bridgewater Savings Bank is an FDIC insured institution located in East Bridgewater, MA. It was founded in 1870 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 90187
Date Established 1870
Assets $ 139.57 million
Loans $ 32.14 million
Deposits $ 86.89 million
Capital $ 12.50 million
 

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for East Bridgewater Savings Bank

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




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Note to East Bridgewater Savings Bank
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Branches

East 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.

Your Location:
Fairfield,Connecticut


East Bridgewater Savings Bank Locations


Financial Details

East Bridgewater Savings Bank Ratio Analysis

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

Texas Ratio
East Bridgewater Savings Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, East Bridgewater Savings Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,504,000 in equity and $366,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
East Bridgewater Savings Bank U.S. Bank Average
3.65% 7.80%

East Bridgewater Savings Bank has a Return on Equity of 3.65% versus the BestCashCow average of 7.80%. 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.

Capitalization
East Bridgewater Savings Bank U.S. Bank Average
8.96% 12.68%

East Bridgewater Savings Bank has a Capitalization of 8.96% versus the BestCashCow average of 12.68. 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.

East Bridgewater Savings Bank Balance Sheet Analysis

As of November 30, -0001, East Bridgewater Savings Bank had assets of $139,566,000, loans of $32,142,000, and deposits of $86,894,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 32.14 million
Loan loss allowance $ 0.37 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 86.89 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 139.57 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in East Bridgewater Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, East Bridgewater Savings Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About East Bridgewater Savings Bank

Branches and Savings

Is East Bridgewater Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #90187.

Why does East 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 East Bridgewater Savings Bank CD rates not competitive?

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

Is East Bridgewater Savings Bank a commercial bank?

Yes

Where are East Bridgewater Savings Bank locations?

See branch locations nearby.

Is East Bridgewater Savings Bank open on Saturdays?

Is East Bridgewater Savings Bank open on Sundays?

What time does East Bridgewater Savings Bank open?

What time does East Bridgewater Savings Bank close?

Are East Bridgewater Savings Bank ATMs Open 24/7?

Do East Bridgewater Savings Bank ATMs accept cash deposits?

Can East Bridgewater Savings Bank customers use other ATMs?

Do East Bridgewater Savings Bank branches have notaries?

Will East Bridgewater Savings Bank notarize my document?

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

Will the East Bridgewater Savings Bank branch print checks?

Do East Bridgewater Savings Bank checks expire?

Does East Bridgewater Savings Bank require US citizenship to open account?

Can East Bridgewater Savings Bank close my account?

Does East Bridgewater Savings Bank Report to credit bureaus?

Does East Bridgewater Savings Bank Use Equifax?

What is East Bridgewater Savings Bank's ACH Routing Number?

What is East Bridgewater Savings Bank's SWIFT code?

Products

Does East Bridgewater Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does East Bridgewater Savings Bank offer personal loans?

Compare personal loan rates here.

Does East Bridgewater Savings Bank offer student loans?

Will East Bridgewater Savings Bank cash a check?

Will East Bridgewater Savings Bank redeem a savings bond?

Does East Bridgewater Savings Bank cash savings bonds?

Will East Bridgewater Savings Bank cash money orders?

Can East Bridgewater Savings Bank issue a money order?

Does East Bridgewater Savings Bank do currency exchange?

Background on The Bank

Who owns East Bridgewater Savings Bank?

How long has East Bridgewater Savings Bank been around?

Can East Bridgewater Savings Bank transfer to other banks?

Does East Bridgewater Savings Bank have quick pay?

Does East Bridgewater Savings Bank accept rolled coins?

Will East Bridgewater Savings Bank accept loose change?

Where is East Bridgewater Savings Bank headquarters?

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