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
Unfavorable gap of $21.4M · efficiency ratio beats 67% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.48% | 0.78% | 0.99% | Beats 70% | 8 / 27 | |
| Return on Equity | 7.06% | 5.50% | 7.06% | 8.20% | Beats 48% | 14 / 27 | |
| Net Interest Margin | 3.34% | 2.49% | 2.70% | 3.34% | Beats 74% | 7 / 27 | |
| Efficiency Ratio | 62.39% | 59.27% | 68.19% | 75.85% | Beats 67% | 10 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.20% | 0.58% | 1.15% | Beats 74% | 8 / 27 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 5 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 13.68% | 13.21% | 14.69% | 16.81% | Beats 30% | 19 / 27 | |
| Total Risk-Based Capital Ratio | 13.68% | 13.71% | 15.43% | 18.07% | Beats 19% | 22 / 27 | |
| Equity / Assets | 13.90% | 9.62% | 11.14% | 13.14% | Beats 78% | 6 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 108.10% | 91.42% | 101.19% | 107.11% | 78th pctl | 6 / 27 | |
| Loans / Assets | 86.66% | 75.31% | 80.56% | 83.39% | 93rd pctl | 2 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |