Framingham, MA · Cert 26395
SI · FDIC · 3 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 $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
4
Profitability
46
Liquidity
70
Efficiency
44
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.
Framingham, MA · Cert 26395
SI · FDIC · 3 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #34 of 100 inst. · $0.9B 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 | 1.78% | 1.37% | -0.27% | -1.74% | -0.81% | -0.32% | 0.26%1 | 0.88% | +262 bps | |
| Return on Equity | 9.25% | 7.07% | -1.35% | -8.60% | -4.00% | -1.57% | 1.32% | 4.32% | +1,292 bps | |
| Net Interest Margin | 3.86% | 3.81% | 3.30% | 3.35% | 3.48% | 3.36% | 3.15% | 3.17% | -18 bps | |
| Efficiency Ratio | 46.53% | 47.98% | 62.26% | 61.36% | 62.39% | 64.33% | 77.46% | 71.49% | +1,013 bps | |
| Non-Interest Burden | 1.75% | 1.78% | 2.02% | 2.02% | 2.14% | 2.12% | 2.42% | 2.24% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -2.19% | -3.71% | -3.66% | -2.91% | -0.60% | 0.90% | 0.03% | +369 bps | |
| Loan Growth (YoY) | -3.63% | -1.61% | -2.46% | -2.14% | -5.55% | -11.97% | -15.88% | -17.28% | -1,514 bps | |
| Deposit Growth (YoY) | -2.93% | -0.84% | 0.46% | -4.32% | -0.96% | 7.61% | 8.29% | 8.29% | +1,260 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.96% | 4.37% | 9.67% | 8.43% | 8.35% | 6.47% | 5.92% | -375 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.55% | 0.38% | 1.47% | 1.08% | 5.01% | 2.51% | +213 bps | |
| Allowance / Loans | 1.69% | 1.95% | 2.38% | 4.08% | 3.36% | 3.64% | 2.78% | 2.97% | -111 bps | |
| Allowance Coverage of NPLs | 7.4x | 2.0x | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.49% | 20.69% | 20.66% | 20.04% | 21.01% | 20.80% | 20.58% | 21.09% | +104 bps | |
| Total Risk-Based Capital | 20.49% | 20.69% | 20.66% | 20.04% | 21.01% | 20.80% | 20.58% | 21.09% | +104 bps | |
| Equity / Assets | 20.36% | 20.15% | 20.39% | 20.05% | 20.41% | 20.12% | 20.10% | 21.12% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.38% | 127.67% | 122.98% | 126.00% | 119.57% | 104.44% | 95.53% | 96.25% | -2,975 bps | |
| Liquid Assets / Assets | 2.75% | 2.39% | 2.48% | 2.96% | 4.54% | 12.08% | 15.89% | 16.75% | +1,379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 200% | 186.78% | n/a | n/a | |
Framingham, MA · Cert 26395 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27)
SI · FDIC · 3 branches
Q2 2026
Return on Assets
0.90%
Rank 11 of 27
Net Interest Margin
3.17%
Rank 9 of 27
Efficiency Ratio
71.49%
Rank 16 of 27
Equity / Assets
21.12%
Rank 1 of 27
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.48% | 0.78% | 0.99% | Beats 59% | 11 / 27 | ||
| Return on Equity | 4.27% | 5.50% | 7.06% | 8.20% | Beats 11% | 24 / 27 | ||
| Net Interest Margin | 3.17% | 2.49% | 2.70% | 3.34% | Beats 67% | 9 / 27 | ||
| Efficiency Ratio | 71.49% | 59.27% | 68.19% | 75.85% | Beats 44% | 16 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.92% | 0.20% | 0.58% | 1.15% | Beats 4% | 27 / 27 | ||
| Net Charge-Offs / Loans | 1.31% | 0.00% | 0.01% | 0.05% | Beats 4% | 27 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.09% | 13.21% | 14.69% | 16.81% | Beats 89% | 3 / 27 | ||
| Total Risk-Based Capital Ratio | 21.09% | 13.71% | 15.43% | 18.07% | Beats 89% | 3 / 27 | ||
| Equity / Assets | 21.12% | 9.62% | 11.14% | 13.14% | Beats 96% | 1 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.25% | 91.42% | 101.19% | 107.11% | 37th pctl | 17 / 27 | ||
| Loans / Assets | 73.07% | 75.31% | 80.56% | 83.39% | 15th pctl | 23 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||