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Bristol County Savings Bank

Taunton, MA · Cert 23622 · Beacon Bcorp

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

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.

Peer group

Banks $1B-$10B in assets operating regionally (n=178). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

8

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bristol County Savings Bank

Taunton, MA · Cert 23622 · Beacon Bcorp

State charter, non-member · FDIC · 18 branches

Q2 2026

$3.3BAssets
$2.7BLoans
$2.6BDeposits
$469.0MEquity
Loan mix
84%RE $2.2B7%C&I $0.2B9%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $2.2B15%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.20%Q2 ’244.58%Q2 ’254.75%Q2 ’26+27%+8%

Non-interest income vs. expense

2.45%Q2 ’242.67%Q2 ’253.04%Q2 ’26+22%+8%

Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 4.3% share · #6 of 22 inst. · $2.6B of $61.9B

14.3% Bristol
0.9% Providence

Executive Summary

  • Earnings: ROA of 0.63%, up 9 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.60% of loans (-3 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 14.40%, down 7 bps from a year ago.
  • Funding: loans stand at 103.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+24 bps YoY

Efficiency Ratio (YTD, annualized)

77.07%+98 bps YoY

Tier 1 Leverage Ratio

14.40%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.61%0.60%0.70%0.63%+9 bps
Return on Equity3.71%4.18%4.11%4.77%4.27%+56 bps
Net Interest Margin2.96%2.98%3.07%3.19%3.20%+24 bps
Efficiency Ratio76.09%74.21%74.43%77.43%77.07%+98 bps
Non-Interest Burden2.14%2.08%2.13%2.33%2.31%+17 bps
Growth
Asset Growth (YoY)-3.89%0.73%4.01%4.17%8.92%+1,281 bps
Loan Growth (YoY)4.53%6.28%8.83%9.56%8.94%+441 bps
Deposit Growth (YoY)-3.38%2.01%1.08%3.64%5.36%+874 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.61%0.64%0.60%0.60%-3 bps
Net Charge-Offs / Loans0.01%-0.02%-0.01%0.10%0.06%+5 bps
Allowance / Loans0.96%0.96%0.96%0.94%0.93%-3 bps
Allowance Coverage of NPLs1.5x1.6x1.5x1.6x1.6x0.0x
Capital
Tier 1 Leverage Ratio14.47%14.15%14.40%14.43%14.40%-7 bps
Total Risk-Based Capital19.39%19.40%18.89%19.17%18.94%-45 bps
Equity / Assets14.84%14.64%14.78%14.75%14.39%-45 bps
Liquidity & Funding
Loans / Deposits100.14%99.07%104.06%100.44%103.54%+340 bps
Liquid Assets / Assets2.31%3.74%1.14%2.17%2.48%+17 bps
CRE / Total Capitaln/a248%258%255%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Bristol County Savings Bank

Taunton, MA · Cert 23622 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Beacon Bcorp

State charter, non-member · FDIC · 18 branches

Q2 2026

$3.3BAssets
$2.7BLoans
$2.6BDeposits
$469.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks $1B-$10B in assets operating regionally (rank 8 of 178).
  • Widest gap: return on equity trails 96% of banks $1B-$10B in assets operating regionally (rank 171 of 178).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.61%

Rank 162 of 178

Net Interest Margin

3.20%

Rank 136 of 178

Efficiency Ratio

77.46%

Rank 165 of 178

Equity / Assets

14.39%

Rank 9 of 178

Non-interest income vs. expense

$23.4M$97.5MINCOMEEXPENSE
Unfavorable gap of $74.1M · efficiency ratio beats 8% of banks $1B-$10B in assets operating regionally
Bank 77.46%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.91%1.25%1.53%Beats 9%162 / 178
Return on Equity4.24%9.18%11.89%14.44%Beats 4%171 / 178
Net Interest Margin3.20%3.22%3.56%3.91%Beats 24%136 / 178
Efficiency Ratio77.46%52.04%58.90%67.10%Beats 8%165 / 178
Asset Quality
Nonperforming Loans / Loans0.60%0.29%0.60%1.26%Beats 51%88 / 178
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 52%87 / 178
Capital
Tier 1 Capital Ratio17.84%11.19%12.72%14.14%Beats 96%8 / 178
Total Risk-Based Capital Ratio18.94%11.91%13.63%15.33%Beats 94%10 / 178
Equity / Assets14.39%9.12%10.35%11.80%Beats 95%9 / 178
Liquidity & Funding
Loans / Deposits103.54%80.94%89.92%97.12%91st pctl16 / 178
Loans / Assets83.87%69.25%75.52%80.96%88th pctl22 / 178
Brokered Deposits / Depositsn/aNot reported for this institution