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 | |