Bristol County Savings Bank logo

Bristol County Savings Bank in Taunton, MA

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FDIC-insured bank serving Rhode Island and Massachusetts with personal and business banking, commercial loans, and home financing through local branches.

Data compiled from public sources

Bristol County Savings Bank Review

Bristol County Savings Bank is a traditional community bank operating in Rhode Island and Massachusetts, with a newly opened location in Downtown Providence. The institution is FDIC-insured and positions itself as a local alternative to larger national banks, emphasizing personalized service and community investment. The bank offers comprehensive personal banking products including checking accounts, savings accounts, and credit cards, alongside business banking solutions such as business checking, business savings, and business credit cards.

Their commercial lending division provides express business loans up to $150,000 with decisions available within minutes via digital application, standard commercial loans, small business lending options, and home financing including purchase, refinance, and equity programs. Digital banking services allow customers to check balances, deposit checks remotely, and manage accounts online. Bristol County Savings Bank distinguishes itself through emphasis on local community presence and relationship banking.

They highlight free business checking, personalized support tailored to business needs, and direct access to experienced commercial lenders. The bank also invests in community programs including economic development, affordable housing, youth programs, and education. Customer testimonials emphasize knowledgeable loan officers and responsive service during the loan process.

As a traditional community bank, Bristol County Savings Bank serves customers seeking local banking relationships and personalized service rather than purely digital banking. However, they lack the extensive product diversity of larger institutions and their service area is limited to Rhode Island and Massachusetts. The website provides limited detail on specific loan terms, rates, or competitive comparisons.

Services & Features

Business checking accounts
Business credit cards
Business savings accounts
Commercial loans and small business lending
Digital banking with mobile check deposit
Express business loans (up to $150,000 with rapid approval)
Home equity loans and programs
Home purchase financing
Mortgage refinancing
Online account management with customizable fraud protection limits
Personal checking accounts
Personal credit cards
Personal savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by full faith and credit of U.S. Government
  • Express Business Loans offering decisions within minutes for amounts up to $150,000
  • Free business checking accounts with no mentioned monthly fees
  • Local community bank with in-person branches including new Downtown Providence location
  • Direct access to experienced commercial lenders for customized business solutions
  • Comprehensive digital banking services including mobile check deposit
  • Multiple secure contact options (phone, secure email, online messaging) for customer service
  • Community investment programs in economic development, affordable housing, and education

Cons

  • Limited geographic footprint restricted to Rhode Island and Massachusetts only
  • Website provides no specific information on loan rates, APRs, or competitive pricing
  • No mention of minimum balance requirements, account fees, or interest rates on savings/checking
  • Limited product diversity compared to larger national banks
  • Express loan program capped at $150,000, unsuitable for larger commercial needs

State Consumer Finance Context

This is state-level context for Banks consumers in Taunton, MA. It does not confirm that Bristol County Savings Bank or this specific location is licensed.

State regulator

Massachusetts Division of Banks

Key state rules to check

  • Payday lending is banned; the small loan statute cap of 23% APR makes it unviable.
  • Criminal usury threshold is 20% for most consumer loans.
  • The Massachusetts Consumer Protection Act (Chapter 93A) is among the strongest in the nation.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Bristol County Savings Bank processed 411 mortgage applications in 2023, with 83% recorded as approved across 2 states.

411

Applications

83%

Approval Rate

$568K

Avg Loan

2

States Served

Approval Rate by Applicant Income

Under $50K
51.4%
$50K–$100K
69.3%
$100K–$200K
90.2%
Over $200K
94.9%

Based on 411 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Massachusetts 319 apps · 88.1%
Rhode Island 71 apps · 76.1%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Bristol County Savings Bank offer?

Bristol County Savings Bank offers 13 services including Personal checking accounts, Personal savings accounts, Personal credit cards, Business checking accounts, Business savings accounts, and 8 more.

What profile signals are listed for Bristol County Savings Bank?

Bristol County Savings Bank has profile signals associated with Small business owners in Rhode Island and Massachusetts seeking relationship banking and personalized service, Homebuyers in the service area looking for local mortgage lending with direct lender access, Business customers needing application-timing claims on loans up to $150,000, Consumers prioritizing FDIC insurance and community-focused banking over national chains.

What are the strengths and weaknesses of Bristol County Savings Bank?

Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Express Business Loans offering decisions within minutes for amounts up to $150,000; Free business checking accounts with no mentioned monthly fees. Areas to consider: Limited geographic footprint restricted to Rhode Island and Massachusetts only; Website provides no specific information on loan rates, APRs, or competitive pricing.

How does Bristol County Savings Bank compare to similar companies?

In the Banks category, comparable providers include 42 North Private Bank, Adams Community Bank, Avidia Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1846
Headquarters
Taunton, MA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #23622
Visit Bristol County Savings Bank

CreditDoc Profile Note

Research Note on Bristol County Savings Bank

Bristol County Savings Bank is profile signals for small business owners and individual consumers in Rhode Island and Massachusetts who value local banking relationships, personalized service, and direct access to decision-makers. The primary caveat is that the website lacks transparency on actual rates, fees, and terms, requiring direct contact to compare competitively against other lenders.

Profile Signals

  • Small business owners in Rhode Island and Massachusetts seeking relationship banking and personalized service
  • Homebuyers in the service area looking for local mortgage lending with direct lender access
  • Business customers needing application-timing claims on loans up to $150,000
  • Consumers prioritizing FDIC insurance and community-focused banking over national chains
Updated 2026-05-08

Similar Companies

42 North Private Bank logo

42 North Private Bank

42 North Private Bank offers private banking services with personalized relationship-focused banking for individuals, business owners, and advisors seeking customized financial solutions.

BBB: NR

Profile signals: High-net-worth individuals seeking personalized private banking relationships, Business owners requiring listed banking products and direct advisor relationships

Adams Community Bank logo

Adams Community Bank

Independent community savings bank established in 1869, offering checking, savings, CDs, mortgages, and fraud protection services to individuals and businesses.

BBB: NR

Profile signals: Customers in the Berkshires region seeking relationship-based banking from a locally-owned institution, Small business owners wanting community bank support for business CDs and local lending

Avidia Bank logo

Avidia Bank

FDIC-insured community bank serving Massachusetts with personal checking, savings, mortgages, and commercial lending. Headquartered in Hudson, MA with 10+ branches.

BBB: NR

Profile signals: Central Massachusetts residents and businesses seeking personalized community banking relationships, Small to mid-sized business owners needing commercial lending with local experience context and relationship banking

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Quick Summary

  • Bristol County Savings Bank is listed as a Banks provider in Taunton, MA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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