Canton, MA · Cert 27015 · 42 North Private Holdings Inc.
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #74 of 100 inst. · $0.1B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.76% | -1.91% | -1.90% | -2.63% | -2.74% | -2.88% | -4.00% | -3.86% | -123 bps | |
| Return on Equity | -19.44% | -21.09% | -21.06% | -29.01% | -30.41% | -32.57% | -47.65% | -47.56% | -1,855 bps | |
| Net Interest Margin | 1.27% | 1.33% | 2.62% | 2.32% | 2.17% | 2.07% | 1.12% | 0.99% | -133 bps | |
| Efficiency Ratio | 239% | 250% | 195.41% | 263% | 270% | 279% | 449% | 482% | +21,868 bps | |
| Non-Interest Burden | 3.06% | 3.35% | 4.52% | 5.11% | 5.13% | 5.20% | 5.04% | 4.82% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | -10.54% | -9.96% | -19.02% | -18.52% | -15.28% | -16.49% | -2.43% | +1,659 bps | |
| Loan Growth (YoY) | -6.16% | -8.61% | -14.23% | -16.71% | -16.29% | -12.95% | -9.14% | 2.47% | +1,918 bps | |
| Deposit Growth (YoY) | -8.04% | -15.71% | -9.28% | -19.16% | -13.65% | -10.48% | -12.52% | 6.15% | +2,531 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 1.00% | 0.65% | 0.04% | 0.10% | 0.03% | 0.03% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.03% | -0.12% | -0.05% | -0.06% | 0.22% | -0.09% | -0.05% | 0 bps | |
| Allowance / Loans | 1.23% | 1.19% | 1.28% | 1.37% | 1.41% | 1.28% | 1.30% | 1.24% | -13 bps | |
| Allowance Coverage of NPLs | 33.6x | 1.2x | 2.0x | 37.7x | 13.6x | 39.3x | 42.6x | 45.7x | +8.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.11% | 8.82% | 9.02% | 8.68% | 8.04% | 8.62% | 7.72% | -131 bps | |
| Total Risk-Based Capital | 17.17% | 16.81% | 17.08% | 17.15% | 16.37% | 14.60% | 15.95% | 13.37% | -378 bps | |
| Equity / Assets | 9.55% | 9.27% | 8.74% | 9.17% | 8.90% | 8.01% | 8.77% | 7.57% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.39% | 114.64% | 108.00% | 113.71% | 113.80% | 111.49% | 112.18% | 109.77% | -394 bps | |
| Liquid Assets / Assets | 12.16% | 11.97% | 17.30% | 13.38% | 11.21% | 11.89% | 11.83% | 10.24% | -314 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 142.66% | 180.43% | 163.90% | n/a | n/a | |