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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 $1.1MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $153.3M13%Noninterest $22.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.73%-0.69%-0.35%-0.29%-0.24%-0.22%0.00%0.04%+33 bps
Return on Equity-7.34%-6.97%-3.86%-3.19%-2.65%-2.50%0.02%0.53%+372 bps
Net Interest Margin1.44%1.42%1.52%1.60%1.64%1.66%1.81%1.89%+29 bps
Efficiency Ratio143.29%143.47%124.21%121.44%117.53%118.05%100.42%98.00%-2,343 bps
Non-Interest Burden2.13%2.11%1.98%2.00%1.97%2.00%1.82%1.85%-15 bps
Growth
Asset Growth (YoY)14.62%10.99%8.71%2.92%2.90%5.20%6.63%5.42%+250 bps
Loan Growth (YoY)8.87%7.15%9.23%6.48%6.48%3.94%3.65%5.46%-103 bps
Deposit Growth (YoY)16.80%12.73%10.18%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%0.00%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 / Loans0.37%0.37%0.37%0.36%0.36%0.36%0.37%0.35%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.33%9.23%9.12%8.89%8.81%8.65%8.47%8.34%-55 bps
Total Risk-Based Capital9.33%9.23%9.12%8.89%8.81%21.97%21.58%20.92%+1,203 bps
Equity / Assets9.38%9.25%8.97%8.92%8.91%8.57%8.28%8.41%-51 bps
Liquidity & Funding
Loans / Deposits67.32%67.47%65.73%67.79%69.13%66.04%63.36%67.38%-40 bps
Liquid Assets / Assets32.93%32.60%34.25%32.10%30.77%32.95%35.46%31.79%-31 bps
CRE / Total Capitaln/an/an/an/a5.37%5.30%5.17%n/an/a