Stoneham, MA · Cert 26559
SI · FDIC · 2 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #45 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 | 0.18% | 0.18% | -0.28% | 0.11% | 0.29% | 0.37% | 0.50% | 0.51% | +40 bps | |
| Return on Equity | 2.43% | 2.40% | -3.74% | 1.44% | 3.87% | 4.87% | 6.46% | 6.54% | +509 bps | |
| Net Interest Margin | 2.03% | 2.06% | 2.25% | 2.39% | 2.53% | 2.53% | 2.79% | 2.84% | +45 bps | |
| Efficiency Ratio | 91.29% | 91.24% | 95.00% | 86.23% | 81.28% | 78.92% | 76.21% | 75.73% | -1,050 bps | |
| Non-Interest Burden | 1.82% | 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 / Loans | 0.05% | 0.16% | 0.16% | 0.15% | 0.02% | 0.02% | 0.02% | 0.32% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.01% | 0.97% | 0.97% | 0.97% | 0.97% | 1.01% | +4 bps | |
| Allowance Coverage of NPLs | 20.6x | 6.3x | 6.4x | 6.4x | 54.5x | 57.4x | 61.2x | 3.1x | -3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.16% | 9.17% | 9.05% | 9.10% | 9.22% | 9.03% | 8.99% | 8.94% | -16 bps | |
| Total Risk-Based Capital | 14.26% | 14.41% | 14.26% | 14.05% | 13.51% | 13.55% | 13.59% | 13.71% | -35 bps | |
| Equity / Assets | 7.71% | 7.38% | 7.51% | 7.49% | 7.66% | 7.75% | 7.69% | 7.73% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.49% | 93.18% | 92.10% | 95.83% | 99.27% | 99.65% | 96.47% | 92.97% | -286 bps | |
| Liquid Assets / Assets | 4.87% | 5.92% | 7.37% | 6.53% | 5.44% | 6.30% | 6.97% | 9.00% | +247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 412% | 409% | 406% | n/a | n/a | |