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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.36% | 0.29% | 0.29% | 0.49% | -13 bps | |
| Return on Equity | 9.21% | 5.22% | 4.12% | 4.06% | 6.71% | -250 bps | |
| Net Interest Margin | 2.15% | 2.16% | 2.23% | 2.28% | 2.46% | +31 bps | |
| Efficiency Ratio | 78.19% | 86.60% | 78.01% | 87.87% | 79.14% | +96 bps | |
| Non-Interest Burden | 1.48% | 1.78% | 1.58% | 1.93% | 1.84% | +37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.81% | 0.69% | 0.79% | 0.49% | -0.98% | -179 bps | |
| Loan Growth (YoY) | 1.79% | 1.39% | 0.34% | -1.47% | -2.02% | -381 bps | |
| Deposit Growth (YoY) | 2.49% | 1.82% | 1.02% | 0.67% | 2.21% | -28 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.37% | 0.65% | 0.66% | 0.73% | +33 bps | |
| Net Charge-Offs / Loans | -0.11% | 0.00% | 0.06% | 0.01% | -0.06% | +6 bps | |
| Allowance / Loans | 0.64% | 0.61% | 0.67% | 0.68% | 0.68% | +4 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.0x | 1.0x | 0.9x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.55% | 8.61% | 8.36% | 8.47% | 8.70% | +16 bps | |
| Total Risk-Based Capital | 11.55% | 11.84% | 12.11% | 12.45% | 12.38% | +83 bps | |
| Equity / Assets | 6.84% | 7.10% | 7.14% | 7.12% | 7.43% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.74% | 108.64% | 106.76% | 104.35% | 105.20% | -454 bps | |
| Liquid Assets / Assets | 2.57% | 3.84% | 4.66% | 6.36% | 3.26% | +69 bps | |
| CRE / Total Capital | n/a | 376% | 369% | 363% | n/a | n/a | |