Boston, MA · Cert 23741
NC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.23% | 8.26% | 6.35% | 1.51% | 5.70% | -153 bps | |
| Return on Equity | 14.08% | 16.05% | 12.08% | 2.64% | 10.32% | -376 bps | |
| Net Interest Margin | -0.93% | -0.84% | -0.86% | -0.62% | -0.68% | +25 bps | |
| Efficiency Ratio | 97.29% | 97.31% | 97.60% | 99.45% | 97.99% | +70 bps | |
| Non-Interest Burden | -10.49% | -10.69% | -9.02% | -2.61% | -8.13% | +236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.50% | 3.62% | -5.71% | 0.57% | 15.21% | +1,472 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 56.55% | 58.95% | 54.88% | 57.11% | 58.52% | +197 bps | |
| Total Risk-Based Capital | 56.60% | 54.19% | 59.85% | 59.92% | 54.19% | -241 bps | |
| Equity / Assets | 53.99% | 51.90% | 57.09% | 57.16% | 51.97% | -202 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |