Vitals
  • Total Assets
    1.3B -8.5 %
  • Total Deposits
    1.1B -12.1 %
  • Total Net Loans
    1.0B 4.1 %
  • Net Income
    10.8M 23.8 %
  • Book Value
    117.4M -16.9 %
  • Book Value x2
    234.8M -16.9 %
  • Book Value x3
    352.1M -16.9 %
ROAA

.749

ROAE

7.665

Efficiency Ratio

63.24

Net Interest Margin

3.396

Balance Sheet Highlights
Financial Highlights Easthampton Savings Bank All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,292,178 1,195,734
Total Net Loans 1,015,973 884,564
Total Deposits 1,082,311 973,316
Total Equity 117,377 117,275
Profitability
Net Income 10,827 8,869
Return on Average Assets .749 .594
Return on Average Equity 7.665 5.855
Net Interest Margin 3.396 3.257
Efficiency Ratio 63.24 73.516
Noninterest Income/Revenue 13.43 17.101
Balance Sheet Ratios
Loan-to-Deposit 93.871 91.006
Securities/Assets .115 .127
Total Equity/Total Assets .091 .098
Tangible Equity/Tangible Assets .091 .09
Capital Adequacy
Tier 1 Common Capital 117,789 108,595
Tier 1 Capital 117,789 108,997
Tier 2 Capital 9,155 9,379
Total Capital 126,944 118,886
Total Risk Weighted Assets 900,412 863,428
Leverage Ratio 8.62 10.038
Common Equity Tier 1 Capital Ratio 13.08 14.848
Tier 1 Capital Ratio 13.08 14.854
Total Capital Ratio 14.1 15.826

Timeline for Easthampton Savings Bank

The Citizens National Bank

Acquisition: Easthampton Savings Bank acquired a new subsidiary, The Citizens National Bank, 8 years

View Profile Jul 01 2015

Esb Investments Corporation

Esb Investments Corporation became a new subsidiary organization for Easthampton Savings Bank.

View Profile May 05 2014

Hometown Financial Group, Inc

Hometown Financial Group, Inc became a new parent organization for Easthampton Savings Bank.

View Profile Oct 01 2008

Esb Securities Corp

Esb Securities Corp became a new subsidiary organization for Easthampton Savings Bank.

View Profile Oct 01 2008

Easthampton Savings Bank

Easthampton Savings Bank was established 155 years ago and is currently headquartered in Easthampton, MA.

Feb 10 1869
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Citizens National Bank Seller 338,179 Acquisition Discontinued 7/1/2015
Relationships Role Relationship Start Relationship End
Hometown Financial Group, Inc Parent 10/1/2008
Esb Securities Corp Subsidary 10/1/2008
Esb Investments Corporation Subsidary 5/5/2014
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