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Stoughton Co-operative Bank

Stoughton, MA · Cert 26513

State charter, Fed member · FED · 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

90

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

Stoughton Co-operative Bank

Stoughton, MA · Cert 26513

State charter, Fed member · FED · 1 branch

Q2 2026

$135.2MAssets
$107.9MLoans
$117.1MDeposits
$12.7MEquity
Loan mix
93%RE $102.4M4%C&I $4.7M2%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $109.2M7%Noninterest $7.9MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #79 of 100 inst. · $0.1B of $580.3B

Executive Summary

  • Earnings: ROA of 0.70%, up 16 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.00%, up 39 bps from a year ago.
  • Funding: loans stand at 92.17% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.70%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+26 bps YoY

Efficiency Ratio (YTD, annualized)

68.42%-572 bps YoY

Tier 1 Leverage Ratio

10.00%+39 bps YoY

NIM

3.90%Q2 ’244.29%Q2 ’254.44%Q2 ’26+15%+10%

Non-interest income vs. expense

2.28%Q2 ’242.00%Q2 ’252.02%Q2 ’26-12%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.15%0.50%0.54%0.53%0.51%0.68%0.70%+16 bps
Return on Equity1.62%1.76%5.87%6.22%6.04%5.74%7.34%7.57%+135 bps
Net Interest Margin2.17%2.14%2.40%2.53%2.53%2.59%2.77%2.79%+26 bps
Efficiency Ratio93.80%81.06%75.15%74.14%75.24%76.76%69.89%68.42%-572 bps
Non-Interest Burden2.03%1.63%1.76%1.83%1.86%1.95%1.88%1.86%+3 bps
Growth
Asset Growth (YoY)5.90%5.66%5.63%3.98%3.59%3.09%0.70%2.84%-113 bps
Loan Growth (YoY)5.58%3.67%6.35%5.63%5.55%6.72%2.22%0.68%-495 bps
Deposit Growth (YoY)4.85%5.22%4.60%2.68%1.50%0.62%-1.86%0.53%-216 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.14%0.14%0.14%0.00%0.00%0.00%0.00%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.66%0.71%0.68%0.68%0.68%0.67%0.67%0.68%0 bps
Allowance Coverage of NPLs4.5x5.0x5.0x5.0xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.57%9.32%9.42%9.61%9.60%9.61%9.84%10.00%+39 bps
Total Risk-Based Capital9.57%9.32%9.42%9.61%9.60%9.61%9.84%10.00%+39 bps
Equity / Assets8.63%8.47%8.63%8.86%9.01%9.14%9.31%9.41%+54 bps
Liquidity & Funding
Loans / Deposits88.78%87.98%90.48%92.02%92.31%93.31%94.25%92.17%+14 bps
Liquid Assets / Assets7.65%7.66%6.03%4.90%6.56%6.36%5.99%7.86%+296 bps
CRE / Total Capitaln/an/an/an/a33.46%40.24%41.79%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

Stoughton Co-operative Bank

Stoughton, MA · Cert 26513 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

State charter, Fed member · FED · 1 branch

Q2 2026

$135.2MAssets
$107.9MLoans
$117.1MDeposits
$12.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
  • Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 29).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.70%

Rank 4 of 29

Net Interest Margin

2.79%

Rank 13 of 29

Efficiency Ratio

68.42%

Rank 4 of 29

Equity / Assets

9.41%

Rank 17 of 29

Non-interest income vs. expense

$0.2M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 90% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 68.42%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.23%0.39%0.50%Beats 86%4 / 29
Return on Equity7.46%2.29%3.46%5.78%Beats 90%3 / 29
Net Interest Margin2.79%2.42%2.71%3.01%Beats 55%13 / 29
Efficiency Ratio68.42%78.96%84.14%93.09%Beats 90%4 / 29
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.13%0.43%Beats 100%6 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio10.00%11.54%13.48%16.99%Beats 14%25 / 29
Total Risk-Based Capital Ratio10.00%11.54%14.44%17.87%Beats 14%25 / 29
Equity / Assets9.41%8.70%9.70%11.05%Beats 41%17 / 29
Liquidity & Funding
Loans / Deposits92.17%84.22%92.17%95.56%50th pctl14 / 28
Loans / Assets79.83%69.12%73.70%81.02%69th pctl9 / 29
Brokered Deposits / Depositsn/aNot reported for this institution