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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 $0.1MQ3 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