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Stonehambank

Stoneham, MA · Cert 26559

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

79

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 2026-10-11

Stonehambank

Stoneham, MA · Cert 26559

SI · FDIC · 2 branches

Q2 2026

$918.3MAssets
$718.8MLoans
$773.2MDeposits
$71.0MEquity
Loan mix
87%RE $630.6M11%C&I $80.3M2%Consumer $11.8MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $665.0M14%Noninterest $108.1MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #45 of 100 inst. · $0.8B of $580.3B

Executive Summary

  • Earnings: ROA of 0.51%, up 40 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.32% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.94%, down 16 bps from a year ago.
  • Funding: loans stand at 92.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.51%+40 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+45 bps YoY

Efficiency Ratio (YTD, annualized)

75.73%-1,050 bps YoY

Tier 1 Leverage Ratio

8.94%-16 bps YoY

NIM

4.23%Q2 ’244.64%Q2 ’254.96%Q2 ’26+17%+19%

Non-interest income vs. expense

2.35%Q2 ’242.31%Q2 ’252.32%Q2 ’26+15%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.18%-0.28%0.11%0.29%0.37%0.50%0.51%+40 bps
Return on Equity2.43%2.40%-3.74%1.44%3.87%4.87%6.46%6.54%+509 bps
Net Interest Margin2.03%2.06%2.25%2.39%2.53%2.53%2.79%2.84%+45 bps
Efficiency Ratio91.29%91.24%95.00%86.23%81.28%78.92%76.21%75.73%-1,050 bps
Non-Interest Burden1.82%1.84%2.12%2.02%2.00%1.93%2.08%2.09%+7 bps
Growth
Asset Growth (YoY)4.41%6.60%4.78%3.72%4.76%7.00%8.22%7.67%+395 bps
Loan Growth (YoY)5.69%2.64%2.29%2.52%4.23%6.50%7.80%4.82%+231 bps
Deposit Growth (YoY)12.55%18.56%16.39%8.30%0.26%-0.41%2.91%8.05%-26 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.16%0.16%0.15%0.02%0.02%0.02%0.32%+17 bps
Net Charge-Offs / Loans0.00%0.00%-0.02%-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.00%1.01%1.01%0.97%0.97%0.97%0.97%1.01%+4 bps
Allowance Coverage of NPLs20.6x6.3x6.4x6.4x54.5x57.4x61.2x3.1x-3.3x
Capital
Tier 1 Leverage Ratio9.16%9.17%9.05%9.10%9.22%9.03%8.99%8.94%-16 bps
Total Risk-Based Capital14.26%14.41%14.26%14.05%13.51%13.55%13.59%13.71%-35 bps
Equity / Assets7.71%7.38%7.51%7.49%7.66%7.75%7.69%7.73%+24 bps
Liquidity & Funding
Loans / Deposits95.49%93.18%92.10%95.83%99.27%99.65%96.47%92.97%-286 bps
Liquid Assets / Assets4.87%5.92%7.37%6.53%5.44%6.30%6.97%9.00%+247 bps
CRE / Total Capitaln/an/an/an/a412%409%406%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 2026-10-11

Stonehambank

Stoneham, MA · Cert 26559 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 2 branches

Q2 2026

$918.3MAssets
$718.8MLoans
$773.2MDeposits
$71.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 29).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 29).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.50%

Rank 8 of 29

Net Interest Margin

2.84%

Rank 12 of 29

Efficiency Ratio

75.73%

Rank 7 of 29

Equity / Assets

7.73%

Rank 26 of 29

Non-interest income vs. expense

$2.1M$21.4MINCOMEEXPENSE
Unfavorable gap of $19.4M · efficiency ratio beats 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 75.73%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.50%0.23%0.39%0.50%Beats 72%8 / 29
Return on Equity6.41%2.29%3.46%5.78%Beats 86%4 / 29
Net Interest Margin2.84%2.42%2.71%3.01%Beats 59%12 / 29
Efficiency Ratio75.73%78.96%84.14%93.09%Beats 79%7 / 29
Asset Quality
Nonperforming Loans / Loans0.32%0.03%0.13%0.43%Beats 31%21 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 34%21 / 29
Capital
Tier 1 Capital Ratio12.51%11.54%13.48%16.99%Beats 38%18 / 29
Total Risk-Based Capital Ratio13.71%11.54%14.44%17.87%Beats 41%17 / 29
Equity / Assets7.73%8.70%9.70%11.05%Beats 10%26 / 29
Liquidity & Funding
Loans / Deposits92.97%84.22%92.17%95.56%64th pctl10 / 28
Loans / Assets78.28%69.12%73.70%81.02%62nd pctl11 / 29
Brokered Deposits / Depositsn/aNot reported for this institution