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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.21% | 0.23% | 0.30% | 0.45% | 0.48% | 0.42% | 0.43% | +13 bps | |
| Return on Equity | 1.84% | 2.70% | 2.89% | 3.86% | 5.75% | 6.01% | 5.08% | 5.14% | +128 bps | |
| Net Interest Margin | 2.91% | 3.01% | 3.05% | 3.34% | 3.53% | 3.58% | 3.52% | 3.75% | +41 bps | |
| Efficiency Ratio | 92.54% | 89.64% | 88.91% | 83.99% | 78.93% | 82.03% | 84.37% | 82.09% | -189 bps | |
| Non-Interest Burden | 2.68% | 2.67% | 2.69% | 2.77% | 2.75% | 2.90% | 2.94% | 3.04% | +27 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% | -0.01% | 0.06% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 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 | |