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Everett Co-operative Bank

Everett, MA · Cert 26444 · Ecb Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

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.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Everett Co-operative Bank

Everett, MA · Cert 26444 · Ecb Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.2BDeposits
$162.7MEquity
Loan mix
99%RE $1.4B1%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $1.1B9%Noninterest $0.1BQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #32 of 100 inst. · $1.2B of $580.3B

1.1% Middlesex
0.9% Essex

Executive Summary

  • Earnings: ROA of 0.77%, up 41 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.81%, down 22 bps from a year ago.
  • Funding: loans stand at 116.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.77%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+48 bps YoY

Efficiency Ratio (YTD, annualized)

56.47%-1,206 bps YoY

Tier 1 Leverage Ratio

9.81%-22 bps YoY

NIM

4.88%Q2 ’244.95%Q2 ’255.30%Q2 ’26+7%+26%

Non-interest income vs. expense

1.53%Q2 ’241.36%Q2 ’251.39%Q2 ’26-11%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.28%0.35%0.36%0.45%0.50%0.76%0.77%+41 bps
Return on Equity2.25%2.65%3.40%3.62%4.56%5.11%7.90%7.99%+437 bps
Net Interest Margin1.76%1.76%1.83%1.89%1.94%2.00%2.42%2.38%+48 bps
Efficiency Ratio80.26%79.64%75.93%68.52%65.88%64.51%56.71%56.47%-1,206 bps
Non-Interest Burden1.40%1.38%1.37%1.27%1.25%1.26%1.33%1.31%+4 bps
Growth
Asset Growth (YoY)11.92%10.79%11.43%13.43%14.35%13.23%13.65%10.33%-309 bps
Loan Growth (YoY)11.84%9.25%9.89%16.23%16.97%20.70%18.16%8.53%-771 bps
Deposit Growth (YoY)14.83%14.51%14.46%13.87%16.66%12.77%15.11%11.29%-257 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.17%0.11%0.10%0.09%0.08%0.09%0.10%0 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.81%0.78%0.74%0.76%0.76%0.74%0.74%0.73%-3 bps
Allowance Coverage of NPLs8.3x4.5x7.0x7.7x8.7x9.0x8.5x7.0x-0.7x
Capital
Tier 1 Leverage Ratio10.67%10.47%10.31%10.03%9.85%9.86%9.83%9.81%-22 bps
Total Risk-Based Capital16.80%16.58%16.23%14.67%14.68%14.29%14.55%14.90%+23 bps
Equity / Assets10.50%10.27%10.09%9.75%9.70%9.58%9.58%9.73%-2 bps
Liquidity & Funding
Loans / Deposits117.10%112.88%112.78%119.59%117.41%120.82%115.77%116.62%-297 bps
Liquid Assets / Assets14.16%15.88%14.59%10.51%10.68%9.13%10.39%11.11%+60 bps
CRE / Total Capitaln/an/an/an/a532%550%537%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Everett Co-operative Bank

Everett, MA · Cert 26444 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Ecb Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.2BDeposits
$162.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 27).
  • Widest gap: net interest margin trails 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 24 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.76%

Rank 15 of 27

Net Interest Margin

2.38%

Rank 24 of 27

Efficiency Ratio

56.47%

Rank 4 of 27

Equity / Assets

9.73%

Rank 20 of 27

Non-interest income vs. expense

$1.3M$22.9MINCOMEEXPENSE
Unfavorable gap of $21.6M · efficiency ratio beats 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 56.47%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.76%0.48%0.78%0.99%Beats 44%15 / 27
Return on Equity7.77%5.50%7.06%8.20%Beats 63%10 / 27
Net Interest Margin2.38%2.49%2.70%3.34%Beats 11%24 / 27
Efficiency Ratio56.47%59.27%68.19%75.85%Beats 89%4 / 27
Asset Quality
Nonperforming Loans / Loans0.10%0.20%0.58%1.15%Beats 89%4 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 81%6 / 27
Capital
Tier 1 Capital Ratio13.94%13.21%14.69%16.81%Beats 44%15 / 27
Total Risk-Based Capital Ratio14.90%13.71%15.43%18.07%Beats 44%15 / 27
Equity / Assets9.73%9.62%11.14%13.14%Beats 26%20 / 27
Liquidity & Funding
Loans / Deposits116.62%91.42%101.19%107.11%89th pctl3 / 27
Loans / Assets83.97%75.31%80.56%83.39%78th pctl6 / 27
Brokered Deposits / Depositsn/aNot reported for this institution