Weymouth, MA · Cert 26591 · Equitable Bcorp MHC
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #42 of 100 inst. · $0.8B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.08% | 0.10% | 0.46% | 0.36% | 0.37% | 0.31% | 0.44% | -2 bps | |
| Return on Equity | 1.96% | 0.81% | 1.00% | 4.34% | 3.36% | 3.37% | 2.81% | 4.00% | -33 bps | |
| Net Interest Margin | 2.43% | 2.49% | 2.36% | 2.52% | 2.70% | 2.73% | 2.65% | 2.76% | +24 bps | |
| Efficiency Ratio | 83.35% | 100.77% | 92.14% | 74.64% | 78.62% | 80.57% | 83.79% | 78.03% | +339 bps | |
| Non-Interest Burden | 2.06% | 2.59% | 2.24% | 1.90% | 2.14% | 2.23% | 2.24% | 2.16% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | -2.34% | -1.36% | -2.63% | -3.89% | -1.65% | 1.46% | 2.51% | +514 bps | |
| Loan Growth (YoY) | -1.14% | -4.29% | -4.25% | -2.74% | -2.39% | -0.33% | -0.83% | -3.33% | -59 bps | |
| Deposit Growth (YoY) | 2.68% | 1.05% | 1.91% | 1.30% | -3.32% | -1.78% | -1.02% | 1.46% | +16 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.39% | 0.89% | 0.89% | 0.82% | 0.96% | 1.11% | 0.59% | 0.60% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.01% | +3 bps | |
| Allowance / Loans | 1.06% | 1.01% | 1.01% | 1.01% | 1.03% | 1.03% | 1.04% | 1.06% | +5 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.1x | 1.1x | 1.2x | 1.1x | 0.9x | 1.8x | 1.8x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 10.86% | 10.96% | 11.16% | 11.34% | 11.49% | 11.39% | 11.54% | +38 bps | |
| Total Risk-Based Capital | 10.73% | 10.86% | 10.96% | 11.16% | 11.34% | 11.49% | 11.39% | 11.54% | +38 bps | |
| Equity / Assets | 10.18% | 10.33% | 10.40% | 10.71% | 10.98% | 11.17% | 10.83% | 10.98% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.12% | 100.97% | 98.08% | 100.29% | 101.08% | 102.46% | 98.26% | 95.56% | -473 bps | |
| Liquid Assets / Assets | 3.18% | 2.80% | 3.63% | 1.93% | 2.13% | 2.43% | 6.79% | 7.83% | +589 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 248% | 253% | 248% | n/a | n/a | |