What is Florence Bank's financial health grade?

Florence Bank has a TFS Financial Health Grade of D (score: 65.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Florence Bank have?

Florence Bank has 13 branch locations across the United States.

Is Florence Bank FDIC insured?

Yes, Florence Bank is FDIC insured (Certificate #23293).

What are the total assets of Florence Bank?

Florence Bank has total assets of $2.0B as reported in its most recent FDIC filing.

Florence Bank

BankFlorence, Massachusetts

www.florencebank.com

Total Assets

$2.0B

Total Deposits

$1.8B

Branches

Established

1873

TFS Health Grade

65.9 / 100

Below average financial health

How we grade

Florence Bank is a bank headquartered in Florence, Massachusetts, established in 1873. With $2.0B in total assets and 13 branch locations, it has a TFS Financial Health Grade of D (65.9/100).

Capital & Safety

Tier 1 Capital Ratio

12.10%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.21%

Profitability

Return on Assets (ROA)

0.62%(1%)

Return on Equity (ROE)

6.14%(10%)

Net Interest Margin

2.72%

Efficiency Ratio

70.43%(60%)

Lending & Liquidity

Total Loans

$1.2B

Loan-to-Deposit Ratio

70.31%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+2.37%

Deposit Growth (YoY)

+3.53%

Net Income

$12.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Florence BankHQ	85 Main St	Florence	MA	11
Florence Bank	385 College St	Amherst	MA	11
Florence Bank	20 George Hannum Rd	Belchertown	MA	11
Florence Bank	705 Memorial Dr	Chicopee	MA	11
Florence Bank	5 Main St	Easthampton	MA	11
Florence Bank	69 Main St	Florence	MA	23
Florence Bank	68 Pleasant St	Granby	MA	11
Florence Bank	377 Russell St	Hadley	MA	11
Florence Bank	176 King St	Northampton	MA	11
Florence Bank	58 Main St	Northampton	MA	11
Florence Bank	1444 Allen St	Springfield	MA	11
Florence Bank	1010 Union Street Ext	West Springfield	MA	11
Florence Bank	1 Main St	Williamsburg	MA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.