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Overview / Commentary
2200 Montauk Highway
Bridgehampton, NY 11932

Bridgehampton National Bank is headquartered in Bridgehampton and is the 32nd largest bank in the state of New York. It is also the 375th largest bank in the nation. It was established in 1909 and as of December of 2013, it had grown to 263 employees at 23 locations. Bridgehampton National Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bridgehampton National Bank had $6.06 million in non-current loans and owned real-estate with $153.8 million in equity and loan loss allowances on hand to cover it. This gives Bridgehampton National Bank a Texas Ratio of 3.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bridgehampton National Bank experienced no significant changes from 2.80% as of December 31, 2012 to 3.94% as of December 31, 2013, resulting in a negative change of 40.63%. This indicates that the balance sheet and financial strength for Bridgehampton National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Bridgehampton National Bank has increased its total deposits by $161.92 million, resulting in 11.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bridgehampton National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bridgehampton National Bank has $1.9 billion in assets with $153.8 million in equity, resulting in a capitalization level of 8.11%, which is average.

Institution Statistics

FDIC Certificate #6976
Year Established1909
Primary RegulatorOCC
Assets and Liabilities
Assets$1.90 billion
Loans$997.26 million
Deposits$1.58 billion
Equity Capital$137.80 million
Loan Loss Allowance$16.00 million
Unbacked Noncurrent Loans$3.82 million
Real Estate Owned$2.24 million
Historic Data - December 2012
Assets$1.62 billion
Equity Capital$129.28 million
Loan Loss Allowance$14.44 million
Unbacked Noncurrent Loans$3.82 million
Real Estate Owned$250,000
Profit Margin - Quarterly
Net Interest Margin3.26%
Return on Assets0.82%
Return on Equity10.7%
Interest Income$58.43 million

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Bridgehampton National Bank has 23 locations. Click to view all Bridgehampton National Bank locations.