Winchester, MA · Cert 27238
SI · FDIC · 2 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #44 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 | 0.16% | 0.29% | 0.35% | 0.51% | 0.46% | 0.55% | 0.63% | 0.59% | +8 bps | |
| Return on Equity | 1.31% | 2.35% | 2.93% | 4.26% | 3.88% | 4.63% | 5.37% | 5.06% | +79 bps | |
| Net Interest Margin | 1.65% | 1.77% | 1.88% | 1.98% | 2.05% | 2.10% | 2.24% | 2.24% | +26 bps | |
| Efficiency Ratio | 87.97% | 82.39% | 77.75% | 68.14% | 71.34% | 70.03% | 64.91% | 67.34% | -80 bps | |
| Non-Interest Burden | 1.43% | 1.43% | 1.43% | 1.26% | 1.43% | 1.43% | 1.41% | 1.47% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.26% | 9.91% | 9.91% | 5.93% | 5.89% | 6.49% | 6.66% | 7.44% | +151 bps | |
| Loan Growth (YoY) | 6.55% | 6.66% | 5.83% | 4.32% | 6.12% | 6.51% | 6.68% | 6.81% | +249 bps | |
| Deposit Growth (YoY) | 4.94% | 5.28% | 5.37% | 6.92% | 6.71% | 7.39% | 7.52% | 8.48% | +156 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.53% | 0.49% | 0.72% | 0.81% | 0.60% | 0.48% | 0.43% | -29 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | -0.20% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.31% | 0.30% | 0.30% | 0.32% | 0.30% | 0.35% | 0.35% | 0.35% | +3 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.6x | 0.4x | 0.4x | 0.6x | 0.7x | 0.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.32% | 12.25% | 12.07% | 12.00% | 11.93% | 11.92% | 11.82% | 11.80% | -20 bps | |
| Total Risk-Based Capital | 12.32% | 12.25% | 12.07% | 12.00% | 11.93% | 11.92% | 11.82% | 11.80% | -20 bps | |
| Equity / Assets | 12.18% | 12.09% | 11.88% | 11.90% | 11.89% | 11.81% | 11.65% | 11.61% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.32% | 93.00% | 90.79% | 91.34% | 92.80% | 92.23% | 90.08% | 89.93% | -141 bps | |
| Liquid Assets / Assets | 22.19% | 22.28% | 23.90% | 23.33% | 22.08% | 22.41% | 23.91% | 23.97% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 103.82% | 92.83% | 95.90% | n/a | n/a | |