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Savers Co-operative Bank

Southbridge, MA · Cert 26455

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=581 to 629). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

42

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

Savers Co-operative Bank

Southbridge, MA · Cert 26455

SI · FDIC · 7 branches

Q2 2026

$783.2MAssets
$612.3MLoans
$562.3MDeposits
$81.4MEquity
Loan mix
93%RE $578.0M6%C&I $34.9M2%Consumer $9.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $472.9M16%Noninterest $89.4MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.51%Q2 ’254.77%Q2 ’26+1%+15%

Non-interest income vs. expense

2.32%Q2 ’242.23%Q2 ’252.35%Q2 ’26-6%+6%

Market Position · Worcester, MA · 2026 SOD (annual) · 2.5% share · #14 of 26 inst. · $0.6B of $22.5B

Executive Summary

  • Earnings: ROA of 0.68%, up 52 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 3.64% of loans (+231 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.30%, up 33 bps from a year ago.
  • Funding: loans stand at 108.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+52 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+36 bps YoY

Efficiency Ratio (YTD, annualized)

70.90%-493 bps YoY

Tier 1 Leverage Ratio

11.30%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.34%0.17%0.68%0.68%+52 bps
Return on Equity1.67%3.45%1.72%6.73%6.69%+501 bps
Net Interest Margin2.51%2.54%2.60%2.80%2.88%+36 bps
Efficiency Ratio75.84%73.87%72.83%72.05%70.90%-493 bps
Non-Interest Burden1.80%1.77%1.78%1.89%1.91%+11 bps
Growth
Asset Growth (YoY)5.05%3.98%2.64%2.49%-0.55%-560 bps
Loan Growth (YoY)8.62%7.50%4.44%5.10%-0.50%-912 bps
Deposit Growth (YoY)1.72%2.86%0.02%0.39%1.54%-17 bps
Asset Quality
Nonperforming Loans / Loans1.34%1.37%2.49%2.38%3.64%+231 bps
Net Charge-Offs / Loans0.04%0.04%0.36%0.06%0.04%0 bps
Allowance / Loans1.18%1.19%1.33%1.30%1.37%+19 bps
Allowance Coverage of NPLs0.9x0.9x0.5x0.5x0.4x-0.5x
Capital
Tier 1 Leverage Ratio10.97%10.93%10.92%11.02%11.30%+33 bps
Total Risk-Based Capital10.97%10.93%10.92%11.02%11.30%+33 bps
Equity / Assets9.63%10.04%10.04%10.03%10.40%+77 bps
Liquidity & Funding
Loans / Deposits111.12%108.24%111.20%109.52%108.89%-224 bps
Liquid Assets / Assets0.47%1.04%0.75%0.96%0.96%+49 bps
CRE / Total Capitaln/a402%403%402%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

Savers Co-operative Bank

Southbridge, MA · Cert 26455 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 7 branches

Q2 2026

$783.2MAssets
$612.3MLoans
$562.3MDeposits
$81.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 45% of banks under $1B in assets (rank 343 of 629).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 554 of 581).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.69%

Rank 446 of 629

Net Interest Margin

2.88%

Rank 508 of 629

Efficiency Ratio

70.90%

Rank 367 of 629

Equity / Assets

10.40%

Rank 343 of 629

Non-interest income vs. expense

$3.5M$18.9MINCOMEEXPENSE
Unfavorable gap of $15.4M · efficiency ratio beats 42% of banks under $1B in assets
Bank 70.90%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.60%1.01%1.45%Beats 29%446 / 629
Return on Equity6.61%5.38%9.30%13.28%Beats 31%434 / 629
Net Interest Margin2.88%3.03%3.54%4.05%Beats 19%508 / 629
Efficiency Ratio70.90%58.35%67.79%79.08%Beats 42%367 / 629
Asset Quality
Nonperforming Loans / Loans3.64%0.09%0.46%1.20%Beats 5%554 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 40%353 / 581
Capital
Tier 1 Capital Ratio11.30%11.24%13.84%18.77%Beats 26%467 / 629
Total Risk-Based Capital Ratio11.30%11.58%14.43%19.66%Beats 22%492 / 629
Equity / Assets10.40%9.09%10.65%13.80%Beats 45%343 / 629
Liquidity & Funding
Loans / Deposits108.89%67.24%80.90%93.48%94th pctl33 / 594
Loans / Assets78.18%53.31%67.71%78.15%75th pctl157 / 629
Brokered Deposits / Depositsn/aNot reported for this institution