Stoughton, MA · Cert 26513
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #79 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.53% | 0.51% | 0.68% | 0.70% | +16 bps | |
| Return on Equity | 6.22% | 6.04% | 5.74% | 7.34% | 7.57% | +135 bps | |
| Net Interest Margin | 2.53% | 2.53% | 2.59% | 2.77% | 2.79% | +26 bps | |
| Efficiency Ratio | 74.14% | 75.24% | 76.76% | 69.89% | 68.42% | -572 bps | |
| Non-Interest Burden | 1.83% | 1.86% | 1.95% | 1.88% | 1.86% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.98% | 3.59% | 3.09% | 0.70% | 2.84% | -113 bps | |
| Loan Growth (YoY) | 5.63% | 5.55% | 6.72% | 2.22% | 0.68% | -495 bps | |
| Deposit Growth (YoY) | 2.68% | 1.50% | 0.62% | -1.86% | 0.53% | -216 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.68% | 0.68% | 0.67% | 0.67% | 0.68% | 0 bps | |
| Allowance Coverage of NPLs | 5.0x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.61% | 9.60% | 9.61% | 9.84% | 10.00% | +39 bps | |
| Total Risk-Based Capital | 9.61% | 9.60% | 9.61% | 9.84% | 10.00% | +39 bps | |
| Equity / Assets | 8.86% | 9.01% | 9.14% | 9.31% | 9.41% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.02% | 92.31% | 93.31% | 94.25% | 92.17% | +14 bps | |
| Liquid Assets / Assets | 4.90% | 6.56% | 6.36% | 5.99% | 7.86% | +296 bps | |
| CRE / Total Capital | n/a | 33.46% | 40.24% | 41.79% | n/a | n/a | |