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Methuen Co-operative Bank

Methuen, MA · Cert 26512

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

72

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

Methuen Co-operative Bank

Methuen, MA · Cert 26512

SI · FDIC · 1 branch

Q2 2026

$141.3MAssets
$107.3MLoans
$127.6MDeposits
$13.3MEquity
Loan mix
94%RE $98.5M5%C&I $5.4M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $105.2M18%Noninterest $22.4MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #76 of 100 inst. · $0.1B of $580.3B

Executive Summary

  • Earnings: ROA of 0.45%, up 9 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 1.05% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.36%, up 7 bps from a year ago.
  • Funding: loans stand at 84.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+14 bps YoY

Efficiency Ratio (YTD, annualized)

81.40%-408 bps YoY

Tier 1 Leverage Ratio

9.36%+7 bps YoY

NIM

4.22%Q2 ’244.48%Q2 ’254.52%Q2 ’26+13%+5%

Non-interest income vs. expense

2.52%Q2 ’242.58%Q2 ’252.56%Q2 ’26+2%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.26%0.28%0.36%0.38%0.37%0.32%0.45%+9 bps
Return on Equity2.58%2.85%3.06%3.97%4.13%4.01%3.46%4.85%+89 bps
Net Interest Margin2.58%2.63%2.86%2.90%2.91%2.91%2.96%3.04%+14 bps
Efficiency Ratio91.54%90.31%87.62%85.48%84.67%84.85%85.95%81.40%-408 bps
Non-Interest Burden2.35%2.36%2.49%2.47%2.45%2.46%2.53%2.46%-1 bps
Growth
Asset Growth (YoY)7.10%2.09%2.97%-0.04%-0.59%0.88%4.31%1.67%+171 bps
Loan Growth (YoY)8.60%6.52%3.71%-0.06%3.67%-0.11%0.82%2.68%+274 bps
Deposit Growth (YoY)7.57%2.03%2.95%1.18%-1.09%0.44%4.17%1.29%+11 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.89%0.87%0.86%1.09%1.10%1.08%1.05%+19 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.45%0.42%0.41%0.38%0.36%0.37%0.36%0.34%-4 bps
Allowance Coverage of NPLs0.7x0.5x0.5x0.4x0.3x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio8.85%9.00%9.24%9.29%9.30%9.27%9.29%9.36%+7 bps
Total Risk-Based Capital8.85%15.41%9.24%9.29%9.30%9.27%9.29%9.36%+7 bps
Equity / Assets8.73%9.10%9.16%9.17%9.14%9.39%9.15%9.43%+26 bps
Liquidity & Funding
Loans / Deposits78.89%83.49%83.45%82.98%82.69%83.03%80.76%84.11%+114 bps
Liquid Assets / Assets20.36%20.38%19.92%20.23%19.69%20.81%21.19%19.88%-34 bps
CRE / Total Capitaln/an/an/an/a178.81%185.82%185.99%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

Methuen Co-operative Bank

Methuen, MA · Cert 26512 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 1 branch

Q2 2026

$141.3MAssets
$107.3MLoans
$127.6MDeposits
$13.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 29).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.45%

Rank 9 of 29

Net Interest Margin

3.04%

Rank 7 of 29

Efficiency Ratio

81.40%

Rank 9 of 29

Equity / Assets

9.43%

Rank 16 of 29

Non-interest income vs. expense

$0.1M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 72% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 81.40%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.45%0.23%0.39%0.50%Beats 69%9 / 29
Return on Equity4.79%2.29%3.46%5.78%Beats 62%11 / 29
Net Interest Margin3.04%2.42%2.71%3.01%Beats 76%7 / 29
Efficiency Ratio81.40%78.96%84.14%93.09%Beats 72%9 / 29
Asset Quality
Nonperforming Loans / Loans1.05%0.03%0.13%0.43%Beats 7%28 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio9.36%11.54%13.48%16.99%Beats 3%28 / 29
Total Risk-Based Capital Ratio9.36%11.54%14.44%17.87%Beats 3%28 / 29
Equity / Assets9.43%8.70%9.70%11.05%Beats 45%16 / 29
Liquidity & Funding
Loans / Deposits84.11%84.22%92.17%95.56%21st pctl22 / 28
Loans / Assets75.95%69.12%73.70%81.02%55th pctl13 / 29
Brokered Deposits / Depositsn/aNot reported for this institution