Walpole, MA · Cert 26487
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #50 of 100 inst. · $0.5B 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 | 0.32% | 0.37% | 0.50% | 0.66% | 0.87% | 1.00% | 1.08% | 1.18% | +52 bps | |
| Return on Equity | 1.73% | 2.05% | 2.76% | 3.65% | 4.77% | 5.37% | 5.77% | 6.26% | +261 bps | |
| Net Interest Margin | 2.49% | 2.61% | 2.73% | 2.99% | 3.38% | 3.48% | 3.62% | 3.79% | +80 bps | |
| Efficiency Ratio | 82.41% | 80.28% | 75.80% | 70.28% | 63.60% | 56.43% | 58.10% | 56.36% | -1,392 bps | |
| Non-Interest Burden | 2.05% | 2.08% | 2.03% | 2.07% | 2.14% | 1.96% | 2.10% | 2.13% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 7.99% | 5.90% | 6.39% | 3.19% | 2.30% | 3.01% | 1.09% | -530 bps | |
| Loan Growth (YoY) | 0.89% | 7.71% | 9.50% | 12.32% | 6.67% | 3.88% | 4.68% | 2.83% | -949 bps | |
| Deposit Growth (YoY) | 5.42% | 13.08% | 13.22% | 11.41% | 8.44% | 1.57% | 2.41% | 2.29% | -913 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.40% | 0.50% | 0.51% | 0.40% | 0.37% | 0.37% | 0.11% | -39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.32% | 1.31% | 1.27% | 1.31% | 1.29% | 1.28% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.3x | 2.6x | 2.5x | 3.3x | 3.5x | 3.4x | 11.4x | +8.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.56% | 18.13% | 18.27% | 18.14% | 18.42% | 18.66% | 18.62% | 18.82% | +68 bps | |
| Total Risk-Based Capital | 18.56% | 18.13% | 18.27% | 18.14% | 18.42% | 18.66% | 18.62% | 18.82% | +68 bps | |
| Equity / Assets | 18.32% | 18.17% | 18.15% | 18.11% | 18.55% | 18.77% | 18.65% | 18.98% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.21% | 104.89% | 104.49% | 108.70% | 107.43% | 107.28% | 106.82% | 109.28% | +57 bps | |
| Liquid Assets / Assets | 5.53% | 3.44% | 4.13% | 1.36% | 1.06% | 2.81% | 3.22% | 1.47% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 343% | 341% | 339% | n/a | n/a | |