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 | |