Florence, MA · Cert 23293 · Florence Bcorp MHC
SI · FDIC · 13 branches
Q2 2026
Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 25.3% share · #1 of 15 inst. · $1.7B of $6.6B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.53% | 0.54% | 0.64% | 0.66% | 0.62% | 0.66% | 0.72% | +8 bps | |
| Return on Equity | 6.57% | 6.07% | 5.62% | 6.52% | 6.60% | 6.14% | 6.28% | 6.83% | +31 bps | |
| Net Interest Margin | 2.06% | 2.17% | 2.36% | 2.49% | 2.53% | 2.52% | 2.62% | 2.65% | +17 bps | |
| Efficiency Ratio | 71.14% | 73.12% | 74.29% | 70.58% | 68.95% | 70.43% | 70.52% | 68.27% | -231 bps | |
| Non-Interest Burden | 1.36% | 1.49% | 1.66% | 1.64% | 1.62% | 1.66% | 1.74% | 1.69% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.27% | 2.70% | -7.02% | -8.43% | -8.45% | 2.37% | 2.44% | 3.79% | +1,222 bps | |
| Loan Growth (YoY) | 4.14% | 4.72% | 3.22% | 2.76% | 4.09% | 4.37% | 5.42% | 6.63% | +387 bps | |
| Deposit Growth (YoY) | -0.46% | 3.48% | 3.00% | 1.94% | 2.33% | 3.53% | 4.06% | 5.98% | +404 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.30% | 0.31% | 0.21% | 0.26% | 0.21% | 0.49% | 0.46% | +25 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.58% | 0.59% | 0.60% | 0.59% | 0.62% | 0.63% | 0.64% | 0.66% | +7 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.0x | 1.9x | 2.8x | 2.4x | 3.0x | 1.3x | 1.5x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 11.14% | 11.69% | 12.00% | 12.14% | 12.10% | 12.22% | 12.23% | +24 bps | |
| Total Risk-Based Capital | 10.54% | 11.14% | 11.69% | 12.00% | 12.14% | 12.10% | 12.22% | 12.23% | +24 bps | |
| Equity / Assets | 8.92% | 9.36% | 9.86% | 10.27% | 10.53% | 10.40% | 10.54% | 10.74% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.89% | 70.19% | 69.58% | 71.04% | 72.11% | 70.76% | 70.49% | 71.48% | +44 bps | |
| Liquid Assets / Assets | 25.38% | 17.78% | 17.99% | 16.24% | 15.59% | 16.23% | 16.58% | 15.62% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 179.99% | 187.35% | 188.57% | n/a | n/a | |