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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