Everett, MA · Cert 26444 · Ecb Bcorp Inc.
SI · FDIC · 3 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #32 of 100 inst. · $1.2B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.45% | 0.50% | 0.76% | 0.77% | +41 bps | |
| Return on Equity | 3.62% | 4.56% | 5.11% | 7.90% | 7.99% | +437 bps | |
| Net Interest Margin | 1.89% | 1.94% | 2.00% | 2.42% | 2.38% | +48 bps | |
| Efficiency Ratio | 68.52% | 65.88% | 64.51% | 56.71% | 56.47% | -1,206 bps | |
| Non-Interest Burden | 1.27% | 1.25% | 1.26% | 1.33% | 1.31% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.43% | 14.35% | 13.23% | 13.65% | 10.33% | -309 bps | |
| Loan Growth (YoY) | 16.23% | 16.97% | 20.70% | 18.16% | 8.53% | -771 bps | |
| Deposit Growth (YoY) | 13.87% | 16.66% | 12.77% | 15.11% | 11.29% | -257 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.08% | 0.09% | 0.10% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.76% | 0.76% | 0.74% | 0.74% | 0.73% | -3 bps | |
| Allowance Coverage of NPLs | 7.7x | 8.7x | 9.0x | 8.5x | 7.0x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.03% | 9.85% | 9.86% | 9.83% | 9.81% | -22 bps | |
| Total Risk-Based Capital | 14.67% | 14.68% | 14.29% | 14.55% | 14.90% | +23 bps | |
| Equity / Assets | 9.75% | 9.70% | 9.58% | 9.58% | 9.73% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 119.59% | 117.41% | 120.82% | 115.77% | 116.62% | -297 bps | |
| Liquid Assets / Assets | 10.51% | 10.68% | 9.13% | 10.39% | 11.11% | +60 bps | |
| CRE / Total Capital | n/a | 532% | 550% | 537% | n/a | n/a | |