Auburndale, MA · Cert 26336
SI · FDIC · 10 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.3% share · #22 of 100 inst. · $1.8B of $580.3B
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 | -0.03% | 0.01% | 0.33% | 0.33% | 0.44% | 0.45% | 0.39% | 0.48% | +15 bps | |
| Return on Equity | -0.35% | 0.18% | 4.27% | 4.17% | 5.53% | 5.64% | 4.55% | 5.65% | +148 bps | |
| Net Interest Margin | 1.57% | 1.61% | 1.93% | 1.99% | 2.04% | 2.11% | 2.45% | 2.52% | +53 bps | |
| Efficiency Ratio | 102.31% | 99.98% | 80.76% | 81.67% | 76.45% | 75.25% | 81.28% | 75.85% | -582 bps | |
| Non-Interest Burden | 1.61% | 1.61% | 1.53% | 1.60% | 1.50% | 1.53% | 1.96% | 1.88% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 0.95% | 4.47% | 2.40% | 1.52% | 3.00% | 0.01% | 2.04% | -36 bps | |
| Loan Growth (YoY) | 2.32% | 2.08% | 5.89% | 3.51% | 2.82% | 3.11% | 1.37% | 3.41% | -10 bps | |
| Deposit Growth (YoY) | -1.48% | 1.34% | 1.39% | 6.22% | 9.04% | 6.26% | 5.81% | 1.12% | -510 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.10% | 0.06% | 0.06% | 0.13% | 0.31% | 0.34% | 0.23% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.49% | 0.49% | 0.48% | 0.48% | 0.49% | 0.50% | 0.50% | 0.51% | +3 bps | |
| Allowance Coverage of NPLs | 6.1x | 5.0x | 7.9x | 8.2x | 3.8x | 1.6x | 1.5x | 2.2x | -6.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 8.97% | 8.99% | 9.01% | 9.12% | 9.25% | 9.36% | 9.50% | +49 bps | |
| Total Risk-Based Capital | 15.31% | 15.45% | 15.09% | 15.32% | 15.53% | 15.41% | 15.63% | 15.43% | +11 bps | |
| Equity / Assets | 7.92% | 7.70% | 7.81% | 7.93% | 8.27% | 8.42% | 8.52% | 8.53% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.41% | 95.19% | 95.53% | 92.43% | 90.91% | 92.37% | 91.52% | 94.53% | +210 bps | |
| Liquid Assets / Assets | 1.70% | 1.64% | 1.74% | 1.63% | 1.57% | 1.63% | 1.50% | 0.95% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 279% | 281% | 282% | n/a | n/a | |