Norwood, MA · Cert 26555 · 1889 Bcorp MHC
SI · FDIC · 4 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #37 of 100 inst. · $0.8B of $580.3B
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 | 0.48% | 0.57% | 0.66% | 0.77% | 0.85% | 0.92% | 0.91% | 0.99% | +21 bps | |
| Return on Equity | 3.53% | 4.18% | 4.86% | 5.74% | 6.34% | 6.83% | 6.68% | 7.18% | +144 bps | |
| Net Interest Margin | 2.75% | 2.73% | 3.00% | 3.08% | 3.11% | 3.17% | 3.27% | 3.34% | +26 bps | |
| Efficiency Ratio | 74.26% | 70.68% | 68.20% | 63.19% | 61.56% | 60.04% | 63.49% | 60.55% | -264 bps | |
| Non-Interest Burden | 2.07% | 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 / Loans | 0.21% | 0.05% | 0.05% | 0.05% | 0.05% | 0.08% | 0.21% | 0.21% | +17 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 | 0.93% | 0.91% | 0.91% | 0.92% | 0.92% | 0.92% | 0.88% | 0.89% | -4 bps | |
| Allowance Coverage of NPLs | 4.4x | 18.4x | 18.8x | 19.8x | 20.3x | 11.9x | 4.1x | 4.1x | -15.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.71% | 13.62% | 13.69% | 13.51% | 13.33% | 13.49% | 13.68% | 13.68% | +16 bps | |
| Total Risk-Based Capital | 13.71% | 13.62% | 13.69% | 13.51% | 13.33% | 13.49% | 13.68% | 13.68% | +16 bps | |
| Equity / Assets | 13.77% | 13.50% | 13.63% | 13.21% | 13.40% | 13.73% | 13.57% | 13.90% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.71% | 103.58% | 105.01% | 105.90% | 107.97% | 107.04% | 108.20% | 108.10% | +220 bps | |
| Liquid Assets / Assets | 0.10% | 0.68% | 0.17% | 0.14% | 0.11% | 0.25% | 0.17% | 0.23% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 377% | 370% | 377% | n/a | n/a | |