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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.33% | 0.37% | 0.42% | 0.42% | +16 bps | |
| Return on Equity | 3.38% | 4.18% | 4.65% | 5.08% | 5.11% | +173 bps | |
| Net Interest Margin | 3.17% | 3.26% | 3.33% | 3.52% | 3.65% | +48 bps | |
| Efficiency Ratio | 86.32% | 83.66% | 83.22% | 84.37% | 83.20% | -312 bps | |
| Non-Interest Burden | 2.71% | 2.69% | 2.74% | 2.94% | 3.00% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.10% | 6.70% | 1.95% | 1.59% | -0.91% | -501 bps | |
| Loan Growth (YoY) | 4.54% | 2.93% | 3.62% | 0.82% | -1.07% | -560 bps | |
| Deposit Growth (YoY) | -2.48% | 1.23% | 1.48% | -3.68% | -2.75% | -27 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.20% | 2.52% | 2.49% | 2.75% | 2.98% | +77 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.04% | 1.09% | 1.08% | 1.03% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.20% | 8.18% | 8.27% | 8.53% | 8.70% | +50 bps | |
| Total Risk-Based Capital | 13.23% | 13.48% | 13.47% | 14.28% | 14.73% | +150 bps | |
| Equity / Assets | 7.81% | 7.81% | 8.13% | 8.35% | 8.42% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.22% | 106.91% | 108.37% | 114.12% | 110.10% | +188 bps | |
| Liquid Assets / Assets | 2.05% | 4.32% | 1.70% | 1.23% | 0.68% | -137 bps | |
| CRE / Total Capital | n/a | 349% | 352% | 346% | n/a | n/a | |