Methuen, MA · Cert 26512
SI · FDIC · 1 branch
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #76 of 100 inst. · $0.1B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.26% | 0.28% | 0.36% | 0.38% | 0.37% | 0.32% | 0.45% | +9 bps | |
| Return on Equity | 2.58% | 2.85% | 3.06% | 3.97% | 4.13% | 4.01% | 3.46% | 4.85% | +89 bps | |
| Net Interest Margin | 2.58% | 2.63% | 2.86% | 2.90% | 2.91% | 2.91% | 2.96% | 3.04% | +14 bps | |
| Efficiency Ratio | 91.54% | 90.31% | 87.62% | 85.48% | 84.67% | 84.85% | 85.95% | 81.40% | -408 bps | |
| Non-Interest Burden | 2.35% | 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 / Loans | 0.64% | 0.89% | 0.87% | 0.86% | 1.09% | 1.10% | 1.08% | 1.05% | +19 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 | 0.45% | 0.42% | 0.41% | 0.38% | 0.36% | 0.37% | 0.36% | 0.34% | -4 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.5x | 0.4x | 0.3x | 0.3x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 9.00% | 9.24% | 9.29% | 9.30% | 9.27% | 9.29% | 9.36% | +7 bps | |
| Total Risk-Based Capital | 8.85% | 15.41% | 9.24% | 9.29% | 9.30% | 9.27% | 9.29% | 9.36% | +7 bps | |
| Equity / Assets | 8.73% | 9.10% | 9.16% | 9.17% | 9.14% | 9.39% | 9.15% | 9.43% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.89% | 83.49% | 83.45% | 82.98% | 82.69% | 83.03% | 80.76% | 84.11% | +114 bps | |
| Liquid Assets / Assets | 20.36% | 20.38% | 19.92% | 20.23% | 19.69% | 20.81% | 21.19% | 19.88% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 178.81% | 185.82% | 185.99% | n/a | n/a | |