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 (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 | 0.25% | 0.25% | -0.10% | 0.04% | 0.15% | 0.22% | 0.28% | 0.41% | +37 bps | |
| Return on Equity | 1.97% | 1.98% | -0.82% | 0.30% | 1.15% | 1.69% | 2.09% | 3.01% | +271 bps | |
| Net Interest Margin | 2.65% | 2.64% | 2.40% | 2.47% | 2.56% | 2.60% | 2.73% | 2.92% | +45 bps | |
| Efficiency Ratio | 88.64% | 88.63% | 106.41% | 98.68% | 93.39% | 90.22% | 87.20% | 81.53% | -1,715 bps | |
| Non-Interest Burden | 2.33% | 2.32% | 2.55% | 2.44% | 2.39% | 2.34% | 2.35% | 2.35% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 2.95% | 4.22% | 3.43% | 2.05% | -0.36% | -4.09% | -3.72% | -715 bps | |
| Loan Growth (YoY) | 3.24% | 0.67% | 8.45% | 5.85% | 10.83% | 8.59% | 5.64% | 7.97% | +212 bps | |
| Deposit Growth (YoY) | 1.36% | 3.28% | 4.33% | 3.49% | 2.04% | -1.62% | -5.80% | -5.58% | -907 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 0.28% | 0.01% | 0.76% | 0.79% | 0.27% | 0.07% | 0.06% | -70 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.72% | 0.70% | 0.68% | 0.67% | 0.65% | 0.65% | 0.65% | 0.65% | -2 bps | |
| Allowance Coverage of NPLs | 0.7x | 2.6x | 134.4x | 0.9x | 0.8x | 2.4x | 9.7x | 10.0x | +9.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.44% | 14.56% | 14.39% | 14.31% | 14.48% | 14.54% | 15.04% | 15.25% | +94 bps | |
| Total Risk-Based Capital | 26.03% | 25.01% | 24.47% | 24.02% | 23.17% | 23.19% | 23.22% | 22.96% | -107 bps | |
| Equity / Assets | 13.03% | 12.42% | 12.57% | 12.57% | 13.03% | 13.40% | 13.79% | 13.90% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.50% | 71.29% | 73.51% | 74.31% | 77.66% | 78.69% | 82.43% | 84.98% | +1,067 bps | |
| Liquid Assets / Assets | 8.74% | 10.75% | 9.72% | 9.51% | 7.02% | 7.22% | 4.61% | 4.54% | -497 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 76.71% | 82.34% | 83.66% | n/a | n/a | |