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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

3.52%Q2 ’243.69%Q2 ’253.87%Q2 ’26+13%+17%

Non-interest income vs. expense

2.33%Q2 ’242.23%Q2 ’252.08%Q2 ’26-5%-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 0.09%, up 31 bps year over year; NIM at 2.01%.
  • 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 (quarter, annualized)

0.09%+31 bps YoY

Net Interest Margin (quarter, annualized)

2.01%+29 bps YoY

Efficiency Ratio (quarter, annualized)

95.83%-2,287 bps YoY

Tier 1 Leverage Ratio

8.34%-55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.23%-0.14%-0.18%0.00%0.09%+31 bps
Return on Equity-2.52%-1.57%-2.05%0.02%1.04%+356 bps
Net Interest Margin1.71%1.74%1.79%1.81%2.01%+29 bps
Efficiency Ratio118.70%110.11%119.52%100.42%95.83%-2,287 bps
Non-Interest Burden2.06%1.93%2.17%1.82%1.91%-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