Boston, MA · Cert 18342
FDIC · 1 branch
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.0% share · #99 of 107 inst. · $0.0B of $536.6B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 34.77% | 35.06% | 33.77% | 37.93% | 34.20% | 33.41% | 32.71% | 34.10% | -384 bps | |
| Return on Equity | 58.01% | 60.33% | 56.08% | 58.18% | 53.65% | 54.23% | 51.14% | 50.45% | -773 bps | |
| Net Interest Margin | 1.29% | 1.58% | 1.51% | 1.28% | 1.30% | 1.38% | 1.42% | 1.65% | +37 bps | |
| Efficiency Ratio | 58.68% | 57.42% | 59.73% | 57.37% | 59.64% | 59.97% | 60.74% | 61.52% | +415 bps | |
| Non-Interest Burden | -39.95% | -40.78% | -35.22% | -49.90% | -44.59% | -40.46% | -36.99% | -37.73% | +1,217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 10.19% | 7.75% | -1.88% | -2.08% | -1.42% | 3.72% | 27.14% | +2,902 bps | |
| Loan Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -20.00% | -2,000 bps | |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -100.00% | -100.00% | -10,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% | 8.00% | 7.50% | -450 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 42.20% | 36.23% | 41.93% | 38.54% | 51.72% | 40.23% | 55.03% | 64.46% | +2,593 bps | |
| Total Risk-Based Capital | 59.08% | 51.44% | 69.91% | 47.46% | 63.82% | 57.45% | 87.98% | 89.33% | +4,187 bps | |
| Equity / Assets | 58.47% | 53.31% | 68.70% | 61.29% | 61.11% | 55.88% | 73.17% | 67.58% | +629 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 2.80% | 2.82% | 3.14% | 3.51% | 2.97% | 2.86% | 2.84% | 0.00% | -351 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | n/a | |