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Wrentham Co-operative Bank

Wrentham, MA · Cert 26576

SI · FDIC · 3 branches

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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

10

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

Wrentham Co-operative Bank

Wrentham, MA · Cert 26576

SI · FDIC · 3 branches

Q2 2026

$192.6MAssets
$118.5MLoans
$175.8MDeposits
$16.2MEquity
Loan mix
99%RE $111.9M0%C&I $0.1M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $153.3M13%Noninterest $22.5MQ2 2025Q2 2026

NIM

3.26%Q2 ’243.56%Q2 ’253.75%Q2 ’26+7%+18%

Non-interest income vs. expense

2.34%Q2 ’242.27%Q2 ’252.02%Q2 ’26-8%-7%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #68 of 100 inst. · $0.2B of $580.3B

Executive Summary

  • Earnings: ROA of 0.04%, up 33 bps year over year; NIM at 1.89%.
  • 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 8.34%, down 55 bps from a year ago.
  • Funding: loans stand at 67.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%+33 bps YoY

Net Interest Margin (YTD, annualized)

1.89%+29 bps YoY

Efficiency Ratio (YTD, annualized)

98.00%-2,343 bps YoY

Tier 1 Leverage Ratio

8.34%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.29%-0.24%-0.22%0.00%0.04%+33 bps
Return on Equity-3.19%-2.65%-2.50%0.02%0.53%+372 bps
Net Interest Margin1.60%1.64%1.66%1.81%1.89%+29 bps
Efficiency Ratio121.44%117.53%118.05%100.42%98.00%-2,343 bps
Non-Interest Burden2.00%1.97%2.00%1.82%1.85%-15 bps
Growth
Asset Growth (YoY)2.92%2.90%5.20%6.63%5.42%+250 bps
Loan Growth (YoY)6.48%6.48%3.94%3.65%5.46%-103 bps
Deposit Growth (YoY)3.77%3.70%6.20%7.53%6.09%+232 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 / Loans0.36%0.36%0.36%0.37%0.35%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.89%8.81%8.65%8.47%8.34%-55 bps
Total Risk-Based Capital8.89%8.81%21.97%21.58%20.92%+1,203 bps
Equity / Assets8.92%8.91%8.57%8.28%8.41%-51 bps
Liquidity & Funding
Loans / Deposits67.79%69.13%66.04%63.36%67.38%-40 bps
Liquid Assets / Assets32.10%30.77%32.95%35.46%31.79%-31 bps
CRE / Total Capitaln/a5.37%5.30%5.17%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.

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

Wrentham Co-operative Bank

Wrentham, MA · Cert 26576 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 3 branches

Q2 2026

$192.6MAssets
$118.5MLoans
$175.8MDeposits
$16.2MEquity

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 assets 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 4 of 9 directional measures.

Return on Assets

0.04%

Rank 27 of 29

Net Interest Margin

1.89%

Rank 26 of 29

Efficiency Ratio

98.00%

Rank 27 of 29

Equity / Assets

8.41%

Rank 24 of 29

Non-interest income vs. expense

$0.3M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 10% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 98.00%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.04%0.23%0.39%0.50%Beats 7%27 / 29
Return on Equity0.53%2.29%3.46%5.78%Beats 10%26 / 29
Net Interest Margin1.89%2.42%2.71%3.01%Beats 10%26 / 29
Efficiency Ratio98.00%78.96%84.14%93.09%Beats 10%27 / 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 Ratio20.38%11.54%13.48%16.99%Beats 83%5 / 29
Total Risk-Based Capital Ratio20.92%11.54%14.44%17.87%Beats 83%5 / 29
Equity / Assets8.41%8.70%9.70%11.05%Beats 17%24 / 29
Liquidity & Funding
Loans / Deposits67.39%84.22%92.17%95.56%4th pctl27 / 28
Loans / Assets61.50%69.12%73.70%81.02%10th pctl26 / 29
Brokered Deposits / Depositsn/aNot reported for this institution