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Bankgloucester

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

$386.9MAssets
$334.9MLoans
$304.2MDeposits
$32.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 3 of 29).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 29 of 29).
  • Overall: at or above the peer median on 5 of 9 directional measures.

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

Non-interest income vs. expense

$0.8M$12.3MINCOMEEXPENSE
Unfavorable gap of $11.5M · efficiency ratio beats 59% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 83.20%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.42%0.23%0.39%0.50%Beats 59%12 / 29
Return on Equity5.04%2.29%3.46%5.78%Beats 66%10 / 29
Net Interest Margin3.65%2.42%2.71%3.01%Beats 90%3 / 29
Efficiency Ratio83.20%78.96%84.14%93.09%Beats 59%13 / 29
Asset Quality
Nonperforming Loans / Loans2.98%0.03%0.13%0.43%Beats 3%29 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 21%24 / 29
Capital
Tier 1 Capital Ratio13.48%11.54%13.48%16.99%Beats 48%15 / 29
Total Risk-Based Capital Ratio14.73%11.54%14.44%17.87%Beats 52%14 / 29
Equity / Assets8.42%8.70%9.70%11.05%Beats 21%23 / 29
Liquidity & Funding
Loans / Deposits110.10%84.22%92.17%95.56%93rd pctl2 / 28
Loans / Assets86.57%69.12%73.70%81.02%93rd pctl2 / 29
Brokered Deposits / Depositsn/aNot reported for this institution