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North Cambridge Co-operative Bank

Cambridge, MA · Cert 26567

SI · FDIC · 1 branch

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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

21

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

North Cambridge Co-operative Bank

Cambridge, MA · Cert 26567

SI · FDIC · 1 branch

Q2 2026

$87.1MAssets
$45.0MLoans
$60.3MDeposits
$25.3MEquity
Loan mix
100%RE $46.9M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $53.7M11%Noninterest $6.6MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #85 of 100 inst. · $0.1B of $580.3B

Executive Summary

  • Earnings: ROA of 0.15%, down 86 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.10%, up 37 bps from a year ago.
  • Funding: loans stand at 74.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.15%1-86 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+4 bps YoY

Efficiency Ratio (YTD, annualized)

95.80%+19 bps YoY

Tier 1 Leverage Ratio

29.10%+37 bps YoY

NIM

4.12%Q2 ’243.93%Q2 ’253.92%Q2 ’26-10%+1%

Non-interest income vs. expense

2.92%Q2 ’242.82%Q2 ’252.91%Q2 ’26-3%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.77%10.86%1.01%10.90%10.72%1-0.89%0.15%1-86 bps
Return on Equity3.67%2.77%2.99%3.50%3.10%2.48%-3.12%0.52%-298 bps
Net Interest Margin3.29%3.21%2.91%2.92%2.88%2.92%2.95%2.96%+4 bps
Efficiency Ratio83.04%93.06%89.30%95.61%104.29%103.62%94.15%95.80%+19 bps
Non-Interest Burden2.73%2.98%2.60%2.79%3.01%3.03%2.77%2.84%+5 bps
Growth
Asset Growth (YoY)-2.97%-1.08%-1.06%2.70%3.76%5.29%3.65%2.21%-48 bps
Loan Growth (YoY)-2.54%-4.78%-4.40%-4.81%-6.15%-3.70%-3.80%-5.64%-83 bps
Deposit Growth (YoY)-6.99%-4.18%-3.94%0.38%1.55%4.57%3.61%2.03%+165 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.24%1.12%1.01%1.08%1.04%0.97%0.92%1.02%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio28.03%27.77%28.61%28.72%28.36%28.72%28.49%29.10%+37 bps
Total Risk-Based Capital64.02%63.84%63.48%64.06%65.00%65.06%64.54%65.77%+171 bps
Equity / Assets28.72%28.59%29.05%29.03%29.27%28.60%28.73%29.00%-3 bps
Liquidity & Funding
Loans / Deposits86.36%83.20%84.27%80.69%79.81%76.62%78.24%74.62%-607 bps
Liquid Assets / Assets16.35%21.77%23.55%23.30%19.84%22.09%20.96%25.54%+224 bps
CRE / Total Capitaln/an/an/an/a12.74%12.59%12.56%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. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $47K before tax, about $34K after an assumed 27% tax, or 53% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Cambridge Co-operative Bank

Cambridge, MA · Cert 26567 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 1 branch

Q2 2026

$87.1MAssets
$45.0MLoans
$60.3MDeposits
$25.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
  • Widest gap: return on equity trails 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 29).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.15%

Rank 23 of 29

Net Interest Margin

2.96%

Rank 10 of 29

Efficiency Ratio

95.80%

Rank 24 of 29

Equity / Assets

29.00%

Rank 2 of 29

Non-interest income vs. expense

$0.1M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 21% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 95.80%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.15%0.23%0.39%0.50%Beats 21%23 / 29
Return on Equity0.51%2.29%3.46%5.78%Beats 7%27 / 29
Net Interest Margin2.96%2.42%2.71%3.01%Beats 66%10 / 29
Efficiency Ratio95.80%78.96%84.14%93.09%Beats 21%24 / 29
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.13%0.43%Beats 100%6 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio64.52%11.54%13.48%16.99%Beats 93%2 / 29
Total Risk-Based Capital Ratio65.77%11.54%14.44%17.87%Beats 93%2 / 29
Equity / Assets29.00%8.70%9.70%11.05%Beats 93%2 / 29
Liquidity & Funding
Loans / Deposits74.62%84.22%92.17%95.56%14th pctl24 / 28
Loans / Assets51.65%69.12%73.70%81.02%3rd pctl28 / 29
Brokered Deposits / Depositsn/aNot reported for this institution