Fall River, MA · Cert 23286 · Bankfive MHC
State charter, Fed member · FED · 13 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 regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
65
Profitability
4
Liquidity
0
Efficiency
4
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.
Fall River, MA · Cert 23286 · Bankfive MHC
State charter, Fed member · FED · 13 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 2.2% share · #12 of 22 inst. · $1.4B 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 | 0.33% | 0.21% | -0.06% | 0.28% | 0.31% | 0.30% | 0.29% | 0.39% | +11 bps | |
| Return on Equity | 4.92% | 3.15% | -0.97% | 4.18% | 4.53% | 4.43% | 4.06% | 5.38% | +120 bps | |
| Net Interest Margin | 1.99% | 1.97% | 1.93% | 2.04% | 2.08% | 2.07% | 2.28% | 2.39% | +35 bps | |
| Efficiency Ratio | 83.21% | 87.45% | 96.75% | 86.38% | 86.45% | 84.21% | 87.87% | 83.45% | -292 bps | |
| Non-Interest Burden | 1.54% | 1.65% | 1.85% | 1.66% | 1.70% | 1.64% | 1.93% | 1.90% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 3.62% | 3.05% | 0.81% | 0.69% | 0.79% | 0.49% | -0.98% | -179 bps | |
| Loan Growth (YoY) | 3.45% | 1.37% | 1.06% | 1.79% | 1.39% | 0.34% | -1.47% | -2.02% | -381 bps | |
| Deposit Growth (YoY) | 1.59% | 2.68% | 2.55% | 2.49% | 1.82% | 1.02% | 0.67% | 2.21% | -28 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.20% | 0.25% | 0.39% | 0.37% | 0.65% | 0.66% | 0.73% | +33 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.16% | 0.02% | 0.01% | 0.03% | 0.01% | -0.02% | -5 bps | |
| Allowance / Loans | 0.63% | 0.63% | 0.63% | 0.64% | 0.61% | 0.67% | 0.68% | 0.68% | +4 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.2x | 2.6x | 1.6x | 1.6x | 1.0x | 1.0x | 0.9x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 8.36% | 8.37% | 8.55% | 8.61% | 8.36% | 8.47% | 8.70% | +16 bps | |
| Total Risk-Based Capital | 12.16% | 12.14% | 11.67% | 11.55% | 11.84% | 12.11% | 12.45% | 12.38% | +83 bps | |
| Equity / Assets | 6.90% | 6.51% | 6.61% | 6.84% | 7.10% | 7.14% | 7.12% | 7.43% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.09% | 107.49% | 106.61% | 109.74% | 108.64% | 106.76% | 104.35% | 105.20% | -454 bps | |
| Liquid Assets / Assets | 3.58% | 4.91% | 4.57% | 2.57% | 3.84% | 4.66% | 6.36% | 3.26% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 376% | 369% | 363% | n/a | n/a | |
Fall River, MA · Cert 23286 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bankfive MHC
State charter, Fed member · FED · 13 branches
Q2 2026
Return on Assets
0.39%
Rank 169 of 176
Net Interest Margin
2.39%
Rank 173 of 176
Efficiency Ratio
83.45%
Rank 170 of 176
Equity / Assets
7.43%
Rank 166 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | 0.93% | 1.26% | 1.54% | Beats 4% | 169 / 176 | ||
| Return on Equity | 5.30% | 9.26% | 11.89% | 14.46% | Beats 6% | 165 / 176 | ||
| Net Interest Margin | 2.39% | 3.25% | 3.59% | 3.93% | Beats 2% | 173 / 176 | ||
| Efficiency Ratio | 83.45% | 52.79% | 59.55% | 67.66% | Beats 4% | 170 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.30% | 0.64% | 1.32% | Beats 44% | 99 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 85% | 28 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.61% | 11.15% | 12.72% | 14.15% | Beats 32% | 119 / 176 | ||
| Total Risk-Based Capital Ratio | 12.38% | 11.81% | 13.63% | 15.33% | Beats 32% | 120 / 176 | ||
| Equity / Assets | 7.43% | 9.16% | 10.35% | 11.80% | Beats 6% | 166 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.20% | 80.94% | 89.73% | 97.21% | 95th pctl | 9 / 176 | ||
| Loans / Assets | 78.04% | 69.25% | 75.12% | 80.82% | 63rd pctl | 65 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||