Taunton, MA · Cert 23622 · Beacon Bcorp
State charter, non-member · FDIC · 18 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
94
Asset Quality
53
Profitability
12
Liquidity
0
Efficiency
7
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.
Taunton, MA · Cert 23622 · Beacon Bcorp
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 4.3% share · #6 of 22 inst. · $2.6B 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 | 0.66% | 0.45% | 0.36% | 0.54% | 0.61% | 0.60% | 0.70% | 0.63% | +9 bps | |
| Return on Equity | 4.96% | 3.37% | 2.52% | 3.71% | 4.18% | 4.11% | 4.77% | 4.27% | +56 bps | |
| Net Interest Margin | 2.42% | 2.56% | 2.86% | 2.96% | 2.98% | 3.07% | 3.19% | 3.20% | +24 bps | |
| Efficiency Ratio | 79.91% | 78.69% | 77.97% | 76.09% | 74.21% | 74.43% | 77.43% | 77.07% | +98 bps | |
| Non-Interest Burden | 1.82% | 1.91% | 2.14% | 2.14% | 2.08% | 2.13% | 2.33% | 2.31% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | -3.39% | -1.32% | -3.89% | 0.73% | 4.01% | 4.17% | 8.92% | +1,281 bps | |
| Loan Growth (YoY) | 1.29% | 4.05% | 3.56% | 4.53% | 6.28% | 8.83% | 9.56% | 8.94% | +441 bps | |
| Deposit Growth (YoY) | 0.00% | 2.45% | 0.03% | -3.38% | 2.01% | 1.08% | 3.64% | 5.36% | +874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.69% | 0.65% | 0.63% | 0.61% | 0.64% | 0.60% | 0.60% | -3 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.02% | 0.01% | -0.02% | -0.01% | 0.10% | 0.06% | +5 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.93% | 0.96% | 0.96% | 0.96% | 0.94% | 0.93% | -3 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.4x | 1.5x | 1.6x | 1.5x | 1.6x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.85% | 13.99% | 14.22% | 14.47% | 14.15% | 14.40% | 14.43% | 14.40% | -7 bps | |
| Total Risk-Based Capital | 19.02% | 19.39% | 19.92% | 19.39% | 19.40% | 18.89% | 19.17% | 18.94% | -45 bps | |
| Equity / Assets | 13.81% | 14.37% | 14.46% | 14.84% | 14.64% | 14.78% | 14.75% | 14.39% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.09% | 96.64% | 95.01% | 100.14% | 99.07% | 104.06% | 100.44% | 103.54% | +340 bps | |
| Liquid Assets / Assets | 4.21% | 5.90% | 6.88% | 2.31% | 3.74% | 1.14% | 2.17% | 2.48% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 248% | 258% | 255% | n/a | n/a | |
Taunton, MA · Cert 23622 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Beacon Bcorp
State charter, non-member · FDIC · 18 branches
Q2 2026
Return on Assets
0.61%
Rank 160 of 176
Net Interest Margin
3.20%
Rank 138 of 176
Efficiency Ratio
77.46%
Rank 164 of 176
Equity / Assets
14.39%
Rank 11 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.93% | 1.26% | 1.54% | Beats 9% | 160 / 176 | ||
| Return on Equity | 4.24% | 9.26% | 11.89% | 14.46% | Beats 4% | 169 / 176 | ||
| Net Interest Margin | 3.20% | 3.25% | 3.59% | 3.93% | Beats 22% | 138 / 176 | ||
| Efficiency Ratio | 77.46% | 52.79% | 59.55% | 67.66% | Beats 7% | 164 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.30% | 0.64% | 1.32% | Beats 53% | 84 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 53% | 84 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.84% | 11.15% | 12.72% | 14.15% | Beats 95% | 9 / 176 | ||
| Total Risk-Based Capital Ratio | 18.94% | 11.81% | 13.63% | 15.33% | Beats 94% | 10 / 176 | ||
| Equity / Assets | 14.39% | 9.16% | 10.35% | 11.80% | Beats 94% | 11 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.54% | 80.94% | 89.73% | 97.21% | 91st pctl | 15 / 176 | ||
| Loans / Assets | 83.87% | 69.25% | 75.12% | 80.82% | 89th pctl | 20 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||