Needham Bank
Needham, MA · Cert 26483 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · NB Bcorp Inc.
State charter, Fed member · FED · 21 branches
Q2 2026
$7.4BAssets
$6.5BLoans
$6.3BDeposits
$810.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 85% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 27).
- Widest gap: tier 1 capital ratio trails 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 27).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.98%
Rank 9 of 27
Net Interest Margin
3.66%
Rank 4 of 27
Efficiency Ratio
59.27%
Rank 7 of 27
Equity / Assets
10.93%
Rank 16 of 27
Non-interest income vs. expense
Unfavorable gap of $147.3M · efficiency ratio beats 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.48% | 0.78% | 0.99% | Beats 67% | 9 / 27 | | |
| Return on Equity | 8.95% | 5.50% | 7.06% | 8.20% | Beats 85% | 4 / 27 | | |
| Net Interest Margin | 3.66% | 2.49% | 2.70% | 3.34% | Beats 85% | 4 / 27 | | |
| Efficiency Ratio | 59.27% | 59.27% | 68.19% | 75.85% | Beats 78% | 7 / 27 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.20% | 0.58% | 1.15% | Beats 56% | 13 / 27 | | |
| Net Charge-Offs / Loans | 0.25% | 0.00% | 0.01% | 0.05% | Beats 7% | 26 / 27 | | |
| Capital |
| Tier 1 Capital Ratio | 11.50% | 13.21% | 14.69% | 16.81% | Beats 7% | 25 / 27 | | |
| Total Risk-Based Capital Ratio | 12.31% | 13.71% | 15.43% | 18.07% | Beats 11% | 24 / 27 | | |
| Equity / Assets | 10.93% | 9.62% | 11.14% | 13.14% | Beats 41% | 16 / 27 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.56% | 91.42% | 101.19% | 107.11% | 56th pctl | 12 / 27 | | |
| Loans / Assets | 87.40% | 75.31% | 80.56% | 83.39% | 96th pctl | 1 / 27 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |