Wrentham, MA · Cert 26576
SI · FDIC · 3 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #68 of 100 inst. · $0.2B 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 | -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 Margin | 1.60% | 1.64% | 1.66% | 1.81% | 1.89% | +29 bps | |
| Efficiency Ratio | 121.44% | 117.53% | 118.05% | 100.42% | 98.00% | -2,343 bps | |
| Non-Interest Burden | 2.00% | 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 / 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 | 0.36% | 0.36% | 0.36% | 0.37% | 0.35% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.89% | 8.81% | 8.65% | 8.47% | 8.34% | -55 bps | |
| Total Risk-Based Capital | 8.89% | 8.81% | 21.97% | 21.58% | 20.92% | +1,203 bps | |
| Equity / Assets | 8.92% | 8.91% | 8.57% | 8.28% | 8.41% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.79% | 69.13% | 66.04% | 63.36% | 67.38% | -40 bps | |
| Liquid Assets / Assets | 32.10% | 30.77% | 32.95% | 35.46% | 31.79% | -31 bps | |
| CRE / Total Capital | n/a | 5.37% | 5.30% | 5.17% | n/a | n/a | |