Gloucester, MA · Cert 26536
SI · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
40
Asset Quality
12
Profitability
72
Liquidity
0
Efficiency
59
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.
Gloucester, MA · Cert 26536
SI · FDIC · 3 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #57 of 100 inst. · $0.3B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.11% | 0.23% | 0.26% | 0.33% | 0.37% | 0.42% | 0.42% | +16 bps | |
| Return on Equity | 1.06% | 1.48% | 2.89% | 3.38% | 4.18% | 4.65% | 5.08% | 5.11% | +173 bps | |
| Net Interest Margin | 2.81% | 2.83% | 3.05% | 3.17% | 3.26% | 3.33% | 3.52% | 3.65% | +48 bps | |
| Efficiency Ratio | 94.93% | 93.53% | 88.91% | 86.32% | 83.66% | 83.22% | 84.37% | 83.20% | -312 bps | |
| Non-Interest Burden | 2.66% | 2.63% | 2.69% | 2.71% | 2.69% | 2.74% | 2.94% | 3.00% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | 1.72% | 3.06% | 4.10% | 6.70% | 1.95% | 1.59% | -0.91% | -501 bps | |
| Loan Growth (YoY) | -0.19% | 0.79% | 3.29% | 4.54% | 2.93% | 3.62% | 0.82% | -1.07% | -560 bps | |
| Deposit Growth (YoY) | -7.56% | -5.83% | -3.15% | -2.48% | 1.23% | 1.48% | -3.68% | -2.75% | -27 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.09% | 1.76% | 1.94% | 2.20% | 2.52% | 2.49% | 2.75% | 2.98% | +77 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.01% | 1.04% | 1.09% | 1.08% | 1.03% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.5x | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.29% | 8.24% | 8.24% | 8.20% | 8.18% | 8.27% | 8.53% | 8.70% | +50 bps | |
| Total Risk-Based Capital | 13.24% | 13.38% | 13.38% | 13.23% | 13.48% | 13.47% | 14.28% | 14.73% | +150 bps | |
| Equity / Assets | 7.92% | 7.70% | 7.94% | 7.81% | 7.81% | 8.13% | 8.35% | 8.42% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.14% | 106.13% | 109.03% | 108.22% | 106.91% | 108.37% | 114.12% | 110.10% | +188 bps | |
| Liquid Assets / Assets | 0.66% | 3.12% | 0.65% | 2.05% | 4.32% | 1.70% | 1.23% | 0.68% | -137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 349% | 352% | 346% | n/a | n/a | |
Gloucester, MA · Cert 26536 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)
SI · FDIC · 3 branches
Q2 2026
Return on Assets
0.42%
Rank 12 of 29
Net Interest Margin
3.65%
Rank 3 of 29
Efficiency Ratio
83.20%
Rank 13 of 29
Equity / Assets
8.42%
Rank 23 of 29
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.23% | 0.39% | 0.50% | Beats 59% | 12 / 29 | ||
| Return on Equity | 5.04% | 2.29% | 3.46% | 5.78% | Beats 66% | 10 / 29 | ||
| Net Interest Margin | 3.65% | 2.42% | 2.71% | 3.01% | Beats 90% | 3 / 29 | ||
| Efficiency Ratio | 83.20% | 78.96% | 84.14% | 93.09% | Beats 59% | 13 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.98% | 0.03% | 0.13% | 0.43% | Beats 3% | 29 / 29 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 21% | 24 / 29 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.48% | 11.54% | 13.48% | 16.99% | Beats 48% | 15 / 29 | ||
| Total Risk-Based Capital Ratio | 14.73% | 11.54% | 14.44% | 17.87% | Beats 52% | 14 / 29 | ||
| Equity / Assets | 8.42% | 8.70% | 9.70% | 11.05% | Beats 21% | 23 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.10% | 84.22% | 92.17% | 95.56% | 93rd pctl | 2 / 28 | ||
| Loans / Assets | 86.57% | 69.12% | 73.70% | 81.02% | 93rd pctl | 2 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||