North Easton, MA · Cert 26554
State charter, Fed member · FED · 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 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.
Capital
19
Asset Quality
79
Profitability
19
Liquidity
29
Efficiency
64
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.
North Easton, MA · Cert 26554
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 0.4% share · #20 of 22 inst. · $0.2B of $61.9B
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 | 0.45% | 0.41% | 0.42% | 0.44% | 0.54% | 0.59% | 0.73% | 0.71% | +27 bps | |
| Return on Equity | 4.55% | 4.17% | 4.22% | 4.52% | 5.60% | 6.11% | 7.69% | 7.45% | +293 bps | |
| Net Interest Margin | 1.80% | 1.74% | 1.76% | 1.80% | 1.77% | 1.85% | 2.09% | 2.10% | +31 bps | |
| Efficiency Ratio | 71.70% | 74.11% | 73.71% | 72.61% | 66.93% | 65.02% | 57.36% | 59.22% | -1,338 bps | |
| Non-Interest Burden | 1.23% | 1.24% | 1.25% | 1.25% | 1.13% | 1.14% | 1.13% | 1.18% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.45% | 5.20% | 3.06% | 18.57% | 18.10% | 19.06% | 19.09% | 5.69% | -1,288 bps | |
| Loan Growth (YoY) | 7.43% | -0.49% | 1.55% | 3.47% | 7.01% | 9.35% | 6.99% | 5.95% | +249 bps | |
| Deposit Growth (YoY) | 3.65% | 5.32% | 2.27% | 19.34% | 19.63% | 19.82% | 20.16% | 5.25% | -1,410 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.07% | 0.00% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.59% | 0.58% | 0.58% | 0.57% | 0.58% | 0.56% | 0.56% | 0.55% | -2 bps | |
| Allowance Coverage of NPLs | 2.5x | 8.6x | 163.0x | 3.6x | 227.7x | 225.7x | 338.5x | 339.5x | +335.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.41% | 11.35% | 11.24% | 11.00% | 10.02% | 10.16% | 10.17% | 10.26% | -74 bps | |
| Total Risk-Based Capital | 11.41% | 11.35% | 11.24% | 11.00% | 10.02% | 10.16% | 10.17% | 10.26% | -74 bps | |
| Equity / Assets | 10.32% | 9.91% | 10.01% | 9.20% | 9.39% | 9.52% | 9.37% | 9.63% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.34% | 60.55% | 60.44% | 55.15% | 54.87% | 55.26% | 53.82% | 55.52% | +37 bps | |
| Liquid Assets / Assets | 13.41% | 14.62% | 16.23% | 21.95% | 22.79% | 22.76% | 24.83% | 23.55% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 22.97% | 29.71% | 28.84% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.72% | 1.06% | 1.45% | Beats 24% | 566 / 746 | ||
| Return on Equity | 7.33% | 6.74% | 10.51% | 13.63% | Beats 29% | 526 / 746 | ||
| Net Interest Margin | 2.10% | 3.17% | 3.68% | 4.16% | Beats 3% | 723 / 746 | ||
| Efficiency Ratio | 59.22% | 55.74% | 64.58% | 75.47% | Beats 64% | 269 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 85% | 114 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 201 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.26% | 11.55% | 13.75% | 17.60% | Beats 11% | 661 / 746 | ||
| Total Risk-Based Capital Ratio | 10.26% | 11.71% | 14.33% | 18.43% | Beats 10% | 668 / 746 | ||
| Equity / Assets | 9.63% | 8.90% | 10.51% | 13.06% | Beats 36% | 474 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.52% | 61.31% | 78.27% | 90.78% | 18th pctl | 612 / 746 | ||
| Loans / Assets | 49.61% | 53.60% | 66.97% | 76.08% | 20th pctl | 594 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||