Yarmouth Port, MA · Cert 26517 · Coastal Affiliates MHC
SI · FDIC · 11 branches
Q2 2026
Market Position · Barnstable Town, MA · 2026 SOD (annual) · 11.9% share · #4 of 11 inst. · $1.4B of $11.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.88% | 0.56% | 0.45% | 0.60% | +39 bps | |
| Return on Equity | 2.29% | 9.45% | 5.97% | 4.71% | 6.28% | +399 bps | |
| Net Interest Margin | 2.54% | 2.86% | 2.83% | 2.76% | 2.93% | +39 bps | |
| Efficiency Ratio | 90.07% | 69.08% | 75.46% | 80.32% | 74.69% | -1,538 bps | |
| Non-Interest Burden | 2.26% | 1.64% | 2.07% | 2.16% | 2.11% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.51% | 4.42% | 3.05% | 3.05% | 2.46% | +95 bps | |
| Loan Growth (YoY) | 1.48% | 3.17% | 4.67% | 4.05% | 2.00% | +53 bps | |
| Deposit Growth (YoY) | 0.87% | 6.85% | -1.82% | 1.85% | 2.12% | +125 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.17% | 0.97% | 1.07% | 1.03% | 0.94% | -23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 0.69% | 0.69% | 0.67% | 0.67% | 0.67% | -2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.6x | 0.6x | 0.7x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.45% | 9.51% | 9.53% | 9.57% | 9.70% | +25 bps | |
| Total Risk-Based Capital | 9.45% | 9.51% | 9.53% | 9.57% | 9.70% | +25 bps | |
| Equity / Assets | 9.26% | 9.31% | 9.45% | 9.46% | 9.58% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.38% | 102.16% | 109.00% | 104.65% | 104.26% | -12 bps | |
| Liquid Assets / Assets | 5.73% | 7.58% | 5.84% | 5.94% | 5.78% | +5 bps | |
| CRE / Total Capital | n/a | 274% | 290% | 289% | n/a | n/a | |