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 | |