Needham, MA · Cert 26483 · NB Bcorp Inc.
State charter, Fed member · FED · 21 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 1.1% share · #9 of 100 inst. · $6.2B 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 | 0.62% | 0.92% | 0.87% | 1.09% | 1.12% | 0.65% | 0.82% | 1.20% | +11 bps | |
| Return on Equity | 4.99% | 7.58% | 7.17% | 8.89% | 9.14% | 5.56% | 7.33% | 10.93% | +203 bps | |
| Net Interest Margin | 3.30% | 3.00% | 3.28% | 3.56% | 3.57% | 3.38% | 3.69% | 3.79% | +23 bps | |
| Efficiency Ratio | 58.73% | 62.78% | 63.36% | 57.34% | 58.50% | 72.43% | 60.49% | 55.71% | -163 bps | |
| Non-Interest Burden | 1.79% | 1.77% | 1.97% | 1.90% | 1.98% | 2.39% | 2.17% | 2.01% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.57% | 14.04% | 13.79% | 9.99% | 10.51% | 38.37% | 39.89% | 44.68% | +3,468 bps | |
| Loan Growth (YoY) | 14.37% | 11.41% | 12.88% | 10.81% | 10.97% | 39.66% | 40.51% | 42.76% | +3,195 bps | |
| Deposit Growth (YoY) | 17.63% | 21.59% | 14.65% | 9.03% | 12.95% | 40.09% | 40.89% | 47.77% | +3,874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.32% | 0.25% | 0.27% | 0.24% | 0.72% | 0.91% | 0.43% | +15 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.04% | 0.12% | 0.00% | 0.05% | 0.29% | 0.87% | 0.07% | +7 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.86% | 0.94% | 0.91% | 1.44% | 1.28% | 1.27% | +33 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.8x | 3.4x | 3.4x | 3.8x | 2.0x | 1.4x | 3.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.63% | 12.51% | 12.47% | 12.61% | 12.59% | 10.90% | 11.04% | 10.89% | -172 bps | |
| Total Risk-Based Capital | 13.89% | 14.11% | 13.79% | 14.10% | 13.94% | 12.37% | 12.25% | 12.31% | -179 bps | |
| Equity / Assets | 12.25% | 12.12% | 12.08% | 12.36% | 12.16% | 11.25% | 11.03% | 10.93% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.98% | 103.61% | 103.08% | 106.16% | 103.15% | 103.29% | 102.80% | 102.56% | -360 bps | |
| Liquid Assets / Assets | 1.86% | 3.11% | 2.78% | 1.77% | 2.97% | 3.96% | 3.92% | 4.19% | +243 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 425% | 427% | n/a | n/a | |