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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 $0.1MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $53.7M11%Noninterest $6.6MQ2 2025Q2 2026

NIM

4.20%Q2 ’243.96%Q2 ’253.89%Q2 ’26-10%+0%

Non-interest income vs. expense

2.73%Q2 ’243.03%Q2 ’252.90%Q2 ’26+12%-4%

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 1.20%, up 4 bps year over year; NIM at 2.95%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.20%1+4 bps YoY

Net Interest Margin (quarter, annualized)

2.95%0 bps YoY

Efficiency Ratio (quarter, annualized)

97.52%-428 bps YoY

Tier 1 Leverage Ratio

29.10%+37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%10.67%10.20%-0.89%1.20%1+4 bps
Return on Equity4.00%2.31%0.68%-3.12%4.15%+15 bps
Net Interest Margin2.94%2.92%2.95%2.95%2.95%0 bps
Efficiency Ratio101.81%121.37%101.63%94.15%97.52%-428 bps
Non-Interest Burden3.00%3.55%2.99%2.77%2.87%-13 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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.04%0.97%0.92%1.02%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio28.72%28.36%28.72%28.49%29.10%+37 bps
Total Risk-Based Capital64.06%65.00%65.06%64.54%65.77%+171 bps
Equity / Assets29.03%29.27%28.60%28.73%29.00%-3 bps
Liquidity & Funding
Loans / Deposits80.69%79.81%76.62%78.24%74.62%-607 bps
Liquid Assets / Assets23.30%19.84%22.09%20.96%25.54%+224 bps
CRE / Total Capitaln/a12.74%12.59%12.56%n/an/a