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 | |