Pittsfield, MA · Cert 26393
SI · FDIC · 5 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
57
Profitability
9
Liquidity
0
Efficiency
5
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.
Pittsfield, MA · Cert 26393
SI · FDIC · 5 branches
Q2 2026
Market Position · Pittsfield, MA · 2026 SOD (annual) · 7.6% share · #6 of 9 inst. · $0.3B of $4.3B
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 | 0.05% | 0.05% | 0.06% | 0.09% | -0.01% | -0.31% | 0.13% | 0.20% | +11 bps | |
| Return on Equity | 0.35% | 0.37% | 0.46% | 0.71% | -0.06% | -2.31% | 1.00% | 1.59% | +88 bps | |
| Net Interest Margin | 2.43% | 2.37% | 2.47% | 2.54% | 2.54% | 2.62% | 2.87% | 2.83% | +30 bps | |
| Efficiency Ratio | 96.37% | 97.03% | 99.35% | 101.67% | 104.40% | 104.50% | 95.86% | 93.62% | -805 bps | |
| Non-Interest Burden | 2.33% | 2.29% | 2.45% | 2.58% | 2.67% | 2.76% | 2.74% | 2.62% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | 2.70% | 5.77% | 11.86% | 2.54% | 9.13% | 10.00% | 6.76% | -509 bps | |
| Loan Growth (YoY) | 1.54% | 2.59% | 4.20% | 7.50% | 12.35% | 17.72% | 19.97% | 19.68% | +1,218 bps | |
| Deposit Growth (YoY) | -1.37% | 2.54% | -0.07% | 9.50% | 3.85% | 4.57% | 7.96% | 4.38% | -512 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.56% | 0.42% | 0.48% | 0.49% | 0.35% | 0.34% | 0.36% | -12 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.06% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.91% | 0.79% | 0.75% | 0.73% | 0.70% | 0.68% | -11 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 2.1x | 1.6x | 1.5x | 2.1x | 2.0x | 1.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.45% | 15.06% | 14.90% | 14.85% | 14.58% | 14.11% | 13.71% | 13.41% | -144 bps | |
| Total Risk-Based Capital | 22.15% | 22.63% | 21.59% | 22.47% | 21.19% | 20.09% | 19.85% | 19.36% | -311 bps | |
| Equity / Assets | 13.69% | 13.51% | 13.48% | 13.01% | 13.41% | 12.81% | 12.43% | 12.32% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.78% | 90.95% | 92.74% | 92.16% | 98.20% | 102.39% | 103.05% | 105.66% | +1,350 bps | |
| Liquid Assets / Assets | 3.46% | 0.30% | 1.65% | 6.52% | 1.23% | 2.61% | 2.71% | 0.99% | -553 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 100.66% | 115.91% | 126.47% | n/a | n/a | |
Pittsfield, MA · Cert 26393 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 5 branches
Q2 2026
Return on Assets
0.20%
Rank 694 of 746
Net Interest Margin
2.83%
Rank 654 of 746
Efficiency Ratio
93.62%
Rank 707 of 746
Equity / Assets
12.32%
Rank 223 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.72% | 1.06% | 1.45% | Beats 7% | 694 / 746 | ||
| Return on Equity | 1.59% | 6.74% | 10.51% | 13.63% | Beats 7% | 697 / 746 | ||
| Net Interest Margin | 2.83% | 3.17% | 3.68% | 4.16% | Beats 12% | 654 / 746 | ||
| Efficiency Ratio | 93.62% | 55.74% | 64.58% | 75.47% | Beats 5% | 707 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 56% | 331 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 322 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.63% | 11.55% | 13.75% | 17.60% | Beats 79% | 155 / 746 | ||
| Total Risk-Based Capital Ratio | 19.36% | 11.71% | 14.33% | 18.43% | Beats 79% | 156 / 746 | ||
| Equity / Assets | 12.32% | 8.90% | 10.51% | 13.06% | Beats 70% | 223 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.66% | 61.31% | 78.27% | 90.78% | 95th pctl | 37 / 746 | ||
| Loans / Assets | 76.70% | 53.60% | 66.97% | 76.08% | 77th pctl | 171 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||