Cambridge, MA · Cert 26567
SI · FDIC · 1 branch
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #85 of 100 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01%1 | 0.90%1 | 0.72%1 | -0.89% | 0.15%1 | -86 bps | |
| Return on Equity | 3.50% | 3.10% | 2.48% | -3.12% | 0.52% | -298 bps | |
| Net Interest Margin | 2.92% | 2.88% | 2.92% | 2.95% | 2.96% | +4 bps | |
| Efficiency Ratio | 95.61% | 104.29% | 103.62% | 94.15% | 95.80% | +19 bps | |
| Non-Interest Burden | 2.79% | 3.01% | 3.03% | 2.77% | 2.84% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.70% | 3.76% | 5.29% | 3.65% | 2.21% | -48 bps | |
| Loan Growth (YoY) | -4.81% | -6.15% | -3.70% | -3.80% | -5.64% | -83 bps | |
| Deposit Growth (YoY) | 0.38% | 1.55% | 4.57% | 3.61% | 2.03% | +165 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.04% | 0.97% | 0.92% | 1.02% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 28.72% | 28.36% | 28.72% | 28.49% | 29.10% | +37 bps | |
| Total Risk-Based Capital | 64.06% | 65.00% | 65.06% | 64.54% | 65.77% | +171 bps | |
| Equity / Assets | 29.03% | 29.27% | 28.60% | 28.73% | 29.00% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.69% | 79.81% | 76.62% | 78.24% | 74.62% | -607 bps | |
| Liquid Assets / Assets | 23.30% | 19.84% | 22.09% | 20.96% | 25.54% | +224 bps | |
| CRE / Total Capital | n/a | 12.74% | 12.59% | 12.56% | n/a | n/a | |