Middletown, RI · Cert 18129 · Oceanpoint Finl Partners MHC
State charter, Fed member · FED · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
44
Profitability
14
Liquidity
12
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Middletown, RI · Cert 18129 · Oceanpoint Finl Partners MHC
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 4.0% share · #7 of 22 inst. · $2.4B of $61.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.37% | 0.40% | 0.54% | 0.58% | 0.58% | 0.53% | 0.62% | +8 bps | |
| Return on Equity | 3.56% | 3.84% | 4.11% | 5.55% | 5.91% | 5.94% | 5.27% | 6.18% | +62 bps | |
| Net Interest Margin | 2.91% | 2.91% | 3.04% | 3.02% | 3.02% | 3.04% | 3.07% | 3.08% | +6 bps | |
| Efficiency Ratio | 74.09% | 73.19% | 78.72% | 74.08% | 71.87% | 71.01% | 75.09% | 69.65% | -443 bps | |
| Non-Interest Burden | 2.03% | 2.00% | 2.36% | 2.14% | 2.06% | 2.03% | 2.19% | 2.02% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.54% | 4.35% | 5.64% | 7.13% | 8.22% | 7.56% | 7.56% | 3.46% | -367 bps | |
| Loan Growth (YoY) | 7.17% | 7.46% | 6.25% | 6.97% | 5.51% | 1.69% | 8.16% | 5.79% | -118 bps | |
| Deposit Growth (YoY) | 4.41% | 6.50% | 2.34% | 4.45% | 4.52% | 3.35% | 10.19% | 5.39% | +94 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.80% | 0.84% | 0.81% | 0.93% | 0.58% | 0.74% | 0.95% | +14 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.49% | 0.05% | 0.03% | 0.09% | 0.31% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 0.70% | 0.79% | 0.83% | 0.88% | 0.94% | 0.85% | 0.85% | 0.95% | +7 bps | |
| Allowance Coverage of NPLs | 3.0x | 1.0x | 1.0x | 1.1x | 1.0x | 1.5x | 1.1x | 1.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.78% | 10.78% | 10.75% | 10.65% | 10.58% | 10.66% | 10.83% | 10.58% | -7 bps | |
| Total Risk-Based Capital | 13.86% | 13.72% | 13.91% | 13.85% | 14.13% | 14.22% | 13.59% | 13.62% | -23 bps | |
| Equity / Assets | 9.99% | 9.73% | 9.82% | 9.71% | 9.92% | 10.05% | 10.02% | 9.93% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.58% | 101.23% | 103.25% | 101.50% | 101.54% | 99.61% | 101.34% | 101.89% | +39 bps | |
| Liquid Assets / Assets | 0.38% | 0.35% | 1.50% | 3.02% | 2.82% | 3.15% | 0.88% | 0.45% | -257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 366% | 356% | 390% | n/a | n/a | |
Middletown, RI · Cert 18129 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Oceanpoint Finl Partners MHC
State charter, Fed member · FED · 19 branches
Q2 2026
Return on Assets
0.61%
Rank 232 of 258
Net Interest Margin
3.08%
Rank 204 of 258
Efficiency Ratio
69.69%
Rank 196 of 257
Equity / Assets
9.93%
Rank 144 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.93% | 1.23% | 1.54% | Beats 10% | 232 / 258 | ||
| Return on Equity | 6.18% | 9.26% | 11.84% | 14.74% | Beats 11% | 229 / 258 | ||
| Net Interest Margin | 3.08% | 3.16% | 3.49% | 3.88% | Beats 21% | 204 / 258 | ||
| Efficiency Ratio | 69.69% | 51.71% | 60.30% | 69.65% | Beats 24% | 196 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.19% | 0.46% | 0.90% | Beats 23% | 200 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 64% | 95 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.70% | 11.41% | 12.98% | 15.12% | Beats 45% | 142 / 258 | ||
| Total Risk-Based Capital Ratio | 13.62% | 12.10% | 13.91% | 16.08% | Beats 45% | 142 / 258 | ||
| Equity / Assets | 9.93% | 9.09% | 10.24% | 11.72% | Beats 44% | 144 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.89% | 73.24% | 86.34% | 95.95% | 86th pctl | 35 / 258 | ||
| Loans / Assets | 81.21% | 63.01% | 72.27% | 78.40% | 83rd pctl | 44 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||