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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.40% | 0.35% | 0.38% | 0.63% | 0.65% | 0.76% | 0.78% | +40 bps | |
| Return on Equity | 3.01% | 3.84% | 3.40% | 3.83% | 6.44% | 6.70% | 7.90% | 8.08% | +425 bps | |
| Net Interest Margin | 1.83% | 1.92% | 1.83% | 2.03% | 2.17% | 2.30% | 2.42% | 2.40% | +37 bps | |
| Efficiency Ratio | 76.82% | 77.97% | 75.93% | 62.14% | 61.40% | 61.11% | 56.71% | 56.22% | -592 bps | |
| Non-Interest Burden | 1.38% | 1.47% | 1.37% | 1.22% | 1.29% | 1.37% | 1.33% | 1.32% | +9 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 / Loans | 0.10% | 0.17% | 0.11% | 0.10% | 0.09% | 0.08% | 0.09% | 0.10% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.78% | 0.74% | 0.76% | 0.76% | 0.74% | 0.74% | 0.73% | -3 bps | |
| Allowance Coverage of NPLs | 8.3x | 4.5x | 7.0x | 7.7x | 8.7x | 9.0x | 8.5x | 7.0x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.67% | 10.47% | 10.31% | 10.03% | 9.85% | 9.86% | 9.83% | 9.81% | -22 bps | |
| Total Risk-Based Capital | 16.80% | 16.58% | 16.23% | 14.67% | 14.68% | 14.29% | 14.55% | 14.90% | +23 bps | |
| Equity / Assets | 10.50% | 10.27% | 10.09% | 9.75% | 9.70% | 9.58% | 9.58% | 9.73% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.10% | 112.88% | 112.78% | 119.59% | 117.41% | 120.82% | 115.77% | 116.62% | -297 bps | |
| Liquid Assets / Assets | 14.16% | 15.88% | 14.59% | 10.51% | 10.68% | 9.13% | 10.39% | 11.11% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 532% | 550% | 537% | n/a | n/a | |