Canton, MA · Cert 26450
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #77 of 100 inst. · $0.1B 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 | 0.18% | 0.36% | 0.43% | 0.28% | 0.54% | +37 bps | |
| Return on Equity | 1.41% | 2.82% | 3.24% | 2.09% | 3.93% | +252 bps | |
| Net Interest Margin | 2.56% | 2.72% | 2.75% | 2.73% | 3.09% | +54 bps | |
| Efficiency Ratio | 91.97% | 84.04% | 81.43% | 87.20% | 76.41% | -1,556 bps | |
| Non-Interest Burden | 2.34% | 2.26% | 2.21% | 2.35% | 2.33% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.43% | 2.05% | -0.36% | -4.09% | -3.72% | -715 bps | |
| Loan Growth (YoY) | 5.85% | 10.83% | 8.59% | 5.64% | 7.97% | +212 bps | |
| Deposit Growth (YoY) | 3.49% | 2.04% | -1.62% | -5.80% | -5.58% | -907 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.76% | 0.79% | 0.27% | 0.07% | 0.06% | -70 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.67% | 0.65% | 0.65% | 0.65% | 0.65% | -2 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 2.4x | 9.7x | 10.0x | +9.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.31% | 14.48% | 14.54% | 15.04% | 15.25% | +94 bps | |
| Total Risk-Based Capital | 24.02% | 23.17% | 23.19% | 23.22% | 22.96% | -107 bps | |
| Equity / Assets | 12.57% | 13.03% | 13.40% | 13.79% | 13.90% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.31% | 77.66% | 78.69% | 82.43% | 84.98% | +1,067 bps | |
| Liquid Assets / Assets | 9.51% | 7.02% | 7.22% | 4.61% | 4.54% | -497 bps | |
| CRE / Total Capital | n/a | 76.71% | 82.34% | 83.66% | n/a | n/a | |