Roslindale, MA · Cert 26922
SI · FDIC · 4 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #53 of 100 inst. · $0.5B 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% | 0.19% | 0.09% | -0.01% | 0.31% | 0.08% | 0.12% | -0.01% | 0 bps | |
| Return on Equity | 2.45% | 2.34% | 1.01% | -0.11% | 3.51% | 0.91% | 1.34% | -0.07% | +4 bps | |
| Net Interest Margin | 2.32% | 2.48% | 2.50% | 2.54% | 2.59% | 2.66% | 2.72% | 2.82% | +28 bps | |
| Efficiency Ratio | 97.21% | 95.51% | 97.80% | 101.41% | 88.47% | 96.19% | 94.73% | 99.51% | -190 bps | |
| Non-Interest Burden | 2.25% | 2.36% | 2.44% | 2.58% | 2.26% | 2.55% | 2.56% | 2.80% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.26% | -5.44% | -3.70% | -5.24% | -6.00% | -2.05% | -1.41% | 0.76% | +600 bps | |
| Loan Growth (YoY) | -4.49% | -5.92% | -3.58% | -6.51% | -6.44% | -3.13% | -3.25% | 1.32% | +783 bps | |
| Deposit Growth (YoY) | 2.52% | -1.41% | -1.42% | -1.54% | -1.73% | -0.79% | 0.55% | 1.27% | +281 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.67% | 0.71% | 0.38% | 0.52% | 0.53% | 0.57% | 0.57% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.79% | 0.80% | 0.80% | 0.80% | 0.80% | 0.81% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.2x | 1.1x | 2.1x | 1.5x | 1.5x | 1.4x | 1.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 8.96% | 9.09% | 9.16% | 9.32% | 9.30% | 9.27% | 9.29% | +13 bps | |
| Total Risk-Based Capital | 13.15% | 13.72% | 13.74% | 14.05% | 14.34% | 14.29% | 14.31% | 13.98% | -8 bps | |
| Equity / Assets | 8.18% | 8.38% | 8.50% | 8.63% | 8.86% | 8.86% | 8.86% | 8.79% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.54% | 102.81% | 102.32% | 101.17% | 100.48% | 100.38% | 98.46% | 101.22% | +5 bps | |
| Liquid Assets / Assets | 2.65% | 2.51% | 2.17% | 2.82% | 2.67% | 2.74% | 3.27% | 1.99% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 303% | 292% | n/a | n/a | |