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 (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% | 0.24% | 0.23% | 0.22% | 0.44% | 0.47% | 0.45% | 0.52% | +30 bps | |
| Return on Equity | 2.46% | 2.55% | 2.50% | 2.40% | 4.77% | 5.07% | 4.71% | 5.49% | +310 bps | |
| Net Interest Margin | 2.10% | 2.12% | 2.48% | 2.50% | 2.59% | 2.63% | 2.76% | 2.84% | +34 bps | |
| Efficiency Ratio | 88.53% | 88.00% | 89.98% | 90.02% | 81.31% | 79.84% | 80.32% | 77.41% | -1,261 bps | |
| Non-Interest Burden | 1.82% | 1.83% | 2.20% | 2.22% | 2.01% | 2.00% | 2.16% | 2.13% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.99% | 3.94% | 1.72% | 1.51% | 4.42% | 3.05% | 3.05% | 2.46% | +95 bps | |
| Loan Growth (YoY) | 5.67% | 2.87% | 1.30% | 1.48% | 3.17% | 4.67% | 4.05% | 2.00% | +53 bps | |
| Deposit Growth (YoY) | 0.20% | 6.80% | 3.69% | 0.87% | 6.85% | -1.82% | 1.85% | 2.12% | +125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.02% | 1.17% | 0.97% | 1.07% | 1.03% | 0.94% | -23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 0.72% | 0.71% | 0.70% | 0.69% | 0.69% | 0.67% | 0.67% | 0.67% | -2 bps | |
| Allowance Coverage of NPLs | 12.1x | 11.0x | 40.2x | 0.6x | 0.7x | 0.6x | 0.6x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.46% | 9.43% | 9.45% | 9.51% | 9.53% | 9.57% | 9.70% | +25 bps | |
| Total Risk-Based Capital | 9.51% | 9.46% | 9.43% | 9.45% | 9.51% | 9.53% | 9.57% | 9.70% | +25 bps | |
| Equity / Assets | 9.37% | 9.29% | 9.28% | 9.26% | 9.31% | 9.45% | 9.46% | 9.58% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.81% | 102.25% | 102.44% | 104.38% | 102.16% | 109.00% | 104.65% | 104.26% | -12 bps | |
| Liquid Assets / Assets | 7.14% | 8.03% | 6.46% | 5.73% | 7.58% | 5.84% | 5.94% | 5.78% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 290% | 289% | n/a | n/a | |