PackageTrendsPeer
Letter portraitLegal landscape

Bank of Easton

North Easton, MA · Cert 26554

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Easton

North Easton, MA · Cert 26554

State charter, Fed member · FED · 3 branches

Q2 2026

$249.0MAssets
$123.5MLoans
$222.5MDeposits
$24.0MEquity
Loan mix
99%RE $119.6M0%C&I $0.3M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $185.7M17%Noninterest $36.8MQ2 2025Q2 2026

NIM

3.94%Q2 ’243.94%Q2 ’254.03%Q2 ’26-3%+17%

Non-interest income vs. expense

1.47%Q2 ’241.45%Q2 ’251.33%Q2 ’26-2%-5%

Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 0.4% share · #20 of 22 inst. · $0.2B of $61.9B

Executive Summary

  • Earnings: ROA of 0.71%, up 27 bps year over year; NIM at 2.10%.
  • Asset quality: problem loans at 0.00% of loans (-16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.26%, down 74 bps from a year ago.
  • Funding: loans stand at 55.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.10%+31 bps YoY

Efficiency Ratio (YTD, annualized)

59.22%-1,338 bps YoY

Tier 1 Leverage Ratio

10.26%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.54%0.59%0.73%0.71%+27 bps
Return on Equity4.52%5.60%6.11%7.69%7.45%+293 bps
Net Interest Margin1.80%1.77%1.85%2.09%2.10%+31 bps
Efficiency Ratio72.61%66.93%65.02%57.36%59.22%-1,338 bps
Non-Interest Burden1.25%1.13%1.14%1.13%1.18%-6 bps
Growth
Asset Growth (YoY)18.57%18.10%19.06%19.09%5.69%-1,288 bps
Loan Growth (YoY)3.47%7.01%9.35%6.99%5.95%+249 bps
Deposit Growth (YoY)19.34%19.63%19.82%20.16%5.25%-1,410 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.00%0.00%0.00%0.00%-16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.57%0.58%0.56%0.56%0.55%-2 bps
Allowance Coverage of NPLs3.6x227.7x225.7x338.5x339.5x+335.9x
Capital
Tier 1 Leverage Ratio11.00%10.02%10.16%10.17%10.26%-74 bps
Total Risk-Based Capital11.00%10.02%10.16%10.17%10.26%-74 bps
Equity / Assets9.20%9.39%9.52%9.37%9.63%+43 bps
Liquidity & Funding
Loans / Deposits55.15%54.87%55.26%53.82%55.52%+37 bps
Liquid Assets / Assets21.95%22.79%22.76%24.83%23.55%+160 bps
CRE / Total Capitaln/a22.97%29.71%28.84%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Easton

North Easton, MA · Cert 26554 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, Fed member · FED · 3 branches

Q2 2026

$249.0MAssets
$123.5MLoans
$222.5MDeposits
$24.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets operating in a single state (rank 114 of 743).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets operating in a single state (rank 723 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.71%

Rank 566 of 746

Net Interest Margin

2.10%

Rank 723 of 746

Efficiency Ratio

59.22%

Rank 269 of 746

Equity / Assets

9.63%

Rank 474 of 746

Non-interest income vs. expense

$0.4M$3.3MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state
Bank 59.22%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.71%0.72%1.06%1.45%Beats 24%566 / 746
Return on Equity7.33%6.74%10.51%13.63%Beats 29%526 / 746
Net Interest Margin2.10%3.17%3.68%4.16%Beats 3%723 / 746
Efficiency Ratio59.22%55.74%64.58%75.47%Beats 64%269 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 85%114 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 73%201 / 743
Capital
Tier 1 Capital Ratio10.26%11.55%13.75%17.60%Beats 11%661 / 746
Total Risk-Based Capital Ratio10.26%11.71%14.33%18.43%Beats 10%668 / 746
Equity / Assets9.63%8.90%10.51%13.06%Beats 36%474 / 746
Liquidity & Funding
Loans / Deposits55.52%61.31%78.27%90.78%18th pctl612 / 746
Loans / Assets49.61%53.60%66.97%76.08%20th pctl594 / 746
Brokered Deposits / Depositsn/aNot reported for this institution