Vitals
  • Total Assets
    545.3M 7.7 %
  • Total Deposits
    432.8M 6.5 %
  • Total Net Loans
    407.9M 7.3 %
  • Net Income
    2.1M -4.5 %
  • Book Value
    51.8M 2.2 %
  • Book Value x2
    103.6M 2.2 %
  • Book Value x3
    155.5M 2.2 %
ROAA

.404

ROAE

4.084

Efficiency Ratio

81.997

Net Interest Margin

3.375

Balance Sheet Highlights
Financial Highlights Bridgewater Savings Bank All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 545,285 1,195,734
Total Net Loans 407,914 884,564
Total Deposits 432,808 973,316
Total Equity 51,822 117,275
Profitability
Net Income 2,128 8,869
Return on Average Assets .404 .594
Return on Average Equity 4.084 5.855
Net Interest Margin 3.375 3.257
Efficiency Ratio 81.997 73.516
Noninterest Income/Revenue 19.24 17.101
Balance Sheet Ratios
Loan-to-Deposit 94.248 91.006
Securities/Assets .191 .127
Total Equity/Total Assets .095 .098
Tangible Equity/Tangible Assets .093 .09
Capital Adequacy
Tier 1 Common Capital 50,505 108,595
Tier 1 Capital 50,505 108,997
Tier 2 Capital 3,694 9,379
Total Capital 54,199 118,886
Total Risk Weighted Assets 354,484 863,428
Leverage Ratio 9.41 10.038
Common Equity Tier 1 Capital Ratio 14.25 14.848
Tier 1 Capital Ratio 14.25 14.854
Total Capital Ratio 15.29 15.826

Timeline for Bridgewater Savings Bank

East Bridgewater Savings Bank

Acquisition: Bridgewater Savings Bank acquired a new subsidiary, East Bridgewater Savings Bank, 14 years

View Profile Jan 01 2010

Stonebridge Mortgage Company, Llc

Stonebridge Mortgage Company, Llc became a new subsidiary organization for Bridgewater Savings Bank.

View Profile Apr 06 2004

Brisaba Ii Securities Corporation

Brisaba Ii Securities Corporation became a new subsidiary organization for Bridgewater Savings Bank.

View Profile Nov 03 2003

Brisaba Iii Securities Corp

Brisaba Iii Securities Corp became a new subsidiary organization for Bridgewater Savings Bank.

View Profile Nov 03 2003

Bridgewater Financial, Mhc

Bridgewater Financial, Mhc became a new parent organization for Bridgewater Savings Bank.

View Profile May 06 2003

Want to see more?

Complete timeline for Bridgewater Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
East Bridgewater Savings Bank Seller 139,566 Acquisition Discontinued 1/1/2010
Relationships Role Relationship Start Relationship End
Bridgewater Financial, Mhc Parent 5/6/2003
Brisaba Ii Securities Corporation Subsidary 6/30/2007
Brisaba Iii Securities Corp Subsidary 6/30/2007
Stonebridge Mortgage Company, Llc Subsidary 4/6/2004 12/31/2007
Brisaba Ii Securities Corporation Subsidary 11/3/2003 6/29/2007
Brisaba Iii Securities Corp Subsidary 11/3/2003 6/29/2007
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