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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.22% | 1.08% | 1.16% | 0.26%1 | 1.50% | +473 bps | |
| Return on Equity | -15.95% | 5.34% | 5.70% | 1.32% | 7.30% | +2,325 bps | |
| Net Interest Margin | 3.38% | 3.50% | 3.23% | 3.15% | 3.18% | -20 bps | |
| Efficiency Ratio | 60.48% | 64.41% | 70.37% | 77.46% | 65.53% | +505 bps | |
| Non-Interest Burden | 2.01% | 2.22% | 2.23% | 2.42% | 2.05% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.66% | -2.91% | -0.60% | 0.90% | 0.03% | +369 bps | |
| Loan Growth (YoY) | -2.14% | -5.55% | -11.97% | -15.88% | -17.28% | -1,514 bps | |
| Deposit Growth (YoY) | -4.32% | -0.96% | 7.61% | 8.29% | 8.29% | +1,260 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 9.67% | 8.43% | 8.35% | 6.47% | 5.92% | -375 bps | |
| Net Charge-Offs / Loans | 0.20% | 3.61% | -0.33% | 5.01% | -0.18% | -38 bps | |
| Allowance / Loans | 4.08% | 3.36% | 3.64% | 2.78% | 2.97% | -111 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.04% | 21.01% | 20.80% | 20.58% | 21.09% | +104 bps | |
| Total Risk-Based Capital | 20.04% | 21.01% | 20.80% | 20.58% | 21.09% | +104 bps | |
| Equity / Assets | 20.05% | 20.41% | 20.12% | 20.10% | 21.12% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 126.00% | 119.57% | 104.44% | 95.53% | 96.25% | -2,975 bps | |
| Liquid Assets / Assets | 2.96% | 4.54% | 12.08% | 15.89% | 16.75% | +1,379 bps | |
| CRE / Total Capital | n/a | 211% | 200% | 186.78% | n/a | n/a | |