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Onelocal Bank

Norwood, MA · Cert 26555 · 1889 Bcorp MHC

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

48

Q2 2024Q2 2026peer median

Efficiency

67

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 2026-10-10

Onelocal Bank

Norwood, MA · Cert 26555 · 1889 Bcorp MHC

SI · FDIC · 4 branches

Q2 2026

$1.1BAssets
$911.2MLoans
$843.0MDeposits
$146.2MEquity
Loan mix
99%RE $905.6M1%C&I $5.8M0%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $753.9M11%Noninterest $89.0MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #37 of 100 inst. · $0.8B of $580.3B

Executive Summary

  • Earnings: ROA of 0.99%, up 21 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.21% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.68%, up 16 bps from a year ago.
  • Funding: loans stand at 108.10% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+26 bps YoY

Efficiency Ratio (YTD, annualized)

60.55%-264 bps YoY

Tier 1 Leverage Ratio

13.68%+16 bps YoY

NIM

5.16%Q2 ’245.33%Q2 ’255.53%Q2 ’26+10%+8%

Non-interest income vs. expense

2.32%Q2 ’242.17%Q2 ’252.17%Q2 ’26-10%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.57%0.66%0.77%0.85%0.92%0.91%0.99%+21 bps
Return on Equity3.53%4.18%4.86%5.74%6.34%6.83%6.68%7.18%+144 bps
Net Interest Margin2.75%2.73%3.00%3.08%3.11%3.17%3.27%3.34%+26 bps
Efficiency Ratio74.26%70.68%68.20%63.19%61.56%60.04%63.49%60.55%-264 bps
Non-Interest Burden2.07%1.95%2.05%1.92%1.90%1.89%2.08%2.02%+10 bps
Growth
Asset Growth (YoY)1.30%4.30%7.41%10.49%9.16%6.78%8.49%3.14%-735 bps
Loan Growth (YoY)2.22%5.49%9.97%11.70%10.60%8.23%9.07%4.57%-713 bps
Deposit Growth (YoY)3.97%5.13%5.96%11.62%7.27%4.73%5.86%2.45%-918 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.05%0.05%0.05%0.05%0.08%0.21%0.21%+17 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.91%0.91%0.92%0.92%0.92%0.88%0.89%-4 bps
Allowance Coverage of NPLs4.4x18.4x18.8x19.8x20.3x11.9x4.1x4.1x-15.6x
Capital
Tier 1 Leverage Ratio13.71%13.62%13.69%13.51%13.33%13.49%13.68%13.68%+16 bps
Total Risk-Based Capital13.71%13.62%13.69%13.51%13.33%13.49%13.68%13.68%+16 bps
Equity / Assets13.77%13.50%13.63%13.21%13.40%13.73%13.57%13.90%+69 bps
Liquidity & Funding
Loans / Deposits104.71%103.58%105.01%105.90%107.97%107.04%108.20%108.10%+220 bps
Liquid Assets / Assets0.10%0.68%0.17%0.14%0.11%0.25%0.17%0.23%+9 bps
CRE / Total Capitaln/an/an/an/a377%370%377%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 2026-10-10

Onelocal Bank

Norwood, MA · Cert 26555 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · 1889 Bcorp MHC

SI · FDIC · 4 branches

Q2 2026

$1.1BAssets
$911.2MLoans
$843.0MDeposits
$146.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
  • Widest gap: total risk-based capital ratio trails 81% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 22 of 27).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.98%

Rank 8 of 27

Net Interest Margin

3.34%

Rank 7 of 27

Efficiency Ratio

62.39%

Rank 10 of 27

Equity / Assets

13.90%

Rank 6 of 27

Non-interest income vs. expense

$1.6M$23.0MINCOMEEXPENSE
Unfavorable gap of $21.4M · efficiency ratio beats 67% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 62.39%Peer median 68.2%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.98%0.48%0.78%0.99%Beats 70%8 / 27
Return on Equity7.06%5.50%7.06%8.20%Beats 48%14 / 27
Net Interest Margin3.34%2.49%2.70%3.34%Beats 74%7 / 27
Efficiency Ratio62.39%59.27%68.19%75.85%Beats 67%10 / 27
Asset Quality
Nonperforming Loans / Loans0.21%0.20%0.58%1.15%Beats 74%8 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%5 / 27
Capital
Tier 1 Capital Ratio13.68%13.21%14.69%16.81%Beats 30%19 / 27
Total Risk-Based Capital Ratio13.68%13.71%15.43%18.07%Beats 19%22 / 27
Equity / Assets13.90%9.62%11.14%13.14%Beats 78%6 / 27
Liquidity & Funding
Loans / Deposits108.10%91.42%101.19%107.11%78th pctl6 / 27
Loans / Assets86.66%75.31%80.56%83.39%93rd pctl2 / 27
Brokered Deposits / Depositsn/aNot reported for this institution