Ware, MA · Cert 23992
SI · FDIC · 16 branches
Q2 2026
Market Position · Springfield, MA · 2026 SOD (annual) · 5.2% share · #8 of 18 inst. · $0.7B of $14.1B
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 | 0.48% | 0.57% | 0.60% | 0.68% | 0.81% | +33 bps | |
| Return on Equity | 3.34% | 4.04% | 4.24% | 4.80% | 5.73% | +239 bps | |
| Net Interest Margin | 2.88% | 2.92% | 2.97% | 3.16% | 3.23% | +35 bps | |
| Efficiency Ratio | 78.59% | 75.56% | 74.07% | 72.98% | 69.99% | -860 bps | |
| Non-Interest Burden | 2.19% | 2.12% | 2.11% | 2.19% | 2.14% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.30% | 10.36% | 11.15% | 7.11% | 4.07% | -723 bps | |
| Loan Growth (YoY) | 14.34% | 13.49% | 14.05% | 9.29% | 4.64% | -970 bps | |
| Deposit Growth (YoY) | 3.24% | 11.98% | 15.20% | 10.87% | 15.51% | +1,227 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.23% | 1.17% | 1.19% | 1.17% | 1.14% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.99% | 0.99% | 0.99% | +6 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.8x | 0.8x | 0.9x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.85% | 14.72% | 14.77% | 14.83% | 14.84% | -1 bps | |
| Total Risk-Based Capital | 14.85% | 14.72% | 14.77% | 14.83% | 14.84% | -1 bps | |
| Equity / Assets | 13.94% | 13.98% | 14.12% | 14.09% | 14.22% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.14% | 105.05% | 103.41% | 103.96% | 101.58% | -1,056 bps | |
| Liquid Assets / Assets | 8.06% | 8.59% | 8.63% | 8.20% | 8.15% | +10 bps | |
| CRE / Total Capital | n/a | 335% | 333% | 339% | n/a | n/a | |