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 | |