42 North Private Bank

Canton, MA · Cert 27015 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · 42 North Private Holdings Inc.

State savings bank · OCC · 2 branches

Q2 2026

$182.2MAssets

$158.5MLoans

$144.4MDeposits

$13.8MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 8 of 29).
Widest gap: net interest margin trails 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 29 of 29).
Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-3.79%

Rank 29 of 29

Net Interest Margin

0.99%

Rank 29 of 29

Efficiency Ratio

482%

Rank 29 of 29

Equity / Assets

7.57%

Rank 27 of 29

Unfavorable gap of $8.6M · efficiency ratio beats 3% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-3.79%	0.23%	0.39%	0.50%	Beats 0%	29 / 29
Return on Equity	-50.00%	2.29%	3.46%	5.78%	Beats 0%	29 / 29
Net Interest Margin	0.99%	2.42%	2.71%	3.01%	Beats 0%	29 / 29
Efficiency Ratio	482%	78.96%	84.14%	93.09%	Beats 3%	29 / 29
Asset Quality
Nonperforming Loans / Loans	0.03%	0.03%	0.13%	0.43%	Beats 76%	8 / 29
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.00%	Beats 14%	26 / 29
Capital
Tier 1 Capital Ratio	12.12%	11.54%	13.48%	16.99%	Beats 31%	20 / 29
Total Risk-Based Capital Ratio	13.37%	11.54%	14.44%	17.87%	Beats 34%	19 / 29
Equity / Assets	7.57%	8.70%	9.70%	11.05%	Beats 7%	27 / 29
Liquidity & Funding
Loans / Deposits	109.77%	84.22%	92.17%	95.56%	89th pctl	3 / 28
Loans / Assets	87.02%	69.12%	73.70%	81.02%	97th pctl	1 / 29
Brokered Deposits / Deposits	n/a	Not reported for this institution