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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