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Dean Co-operative Bank

Franklin, MA · Cert 27269

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dean Co-operative Bank

Franklin, MA · Cert 27269

SI · FDIC · 4 branches

Q2 2026

$494.3MAssets
$355.7MLoans
$420.6MDeposits
$33.2MEquity
Loan mix
91%RE $316.1M8%C&I $26.5M1%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $292.3M30%Noninterest $128.3MQ2 2025Q2 2026

NIM

3.81%Q2 ’244.05%Q2 ’254.33%Q2 ’26+8%+15%

Non-interest income vs. expense

3.03%Q2 ’242.99%Q2 ’253.20%Q2 ’260%+8%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #60 of 100 inst. · $0.3B of $580.3B

0.6% Norfolk
0.6% Worcester

Executive Summary

  • Earnings: ROA of 0.39%, up 15 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.13% of loans (+1 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.26%, up 25 bps from a year ago.
  • Funding: loans stand at 84.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+40 bps YoY

Efficiency Ratio (YTD, annualized)

86.55%-475 bps YoY

Tier 1 Leverage Ratio

8.26%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.27%0.29%0.40%0.39%+15 bps
Return on Equity3.94%4.38%4.65%5.97%5.84%+190 bps
Net Interest Margin2.66%2.71%2.74%3.03%3.06%+40 bps
Efficiency Ratio91.30%90.20%89.43%86.03%86.55%-475 bps
Non-Interest Burden2.37%2.38%2.38%2.52%2.57%+19 bps
Growth
Asset Growth (YoY)4.34%1.77%3.01%3.40%2.67%-167 bps
Loan Growth (YoY)6.61%5.51%4.25%2.60%3.18%-343 bps
Deposit Growth (YoY)3.60%2.73%5.24%3.71%1.37%-224 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.08%0.08%0.07%0.13%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.13%0.06%+6 bps
Allowance / Loans0.93%0.94%0.92%0.89%0.87%-6 bps
Allowance Coverage of NPLs7.9x11.4x12.2x13.4x6.7x-1.3x
Capital
Tier 1 Leverage Ratio8.02%8.11%8.14%8.25%8.26%+25 bps
Total Risk-Based Capital14.19%14.38%14.36%14.64%14.44%+25 bps
Equity / Assets6.14%6.62%6.68%6.61%6.71%+57 bps
Liquidity & Funding
Loans / Deposits83.09%83.59%82.76%82.14%84.58%+149 bps
Liquid Assets / Assets1.78%1.94%2.93%4.95%3.21%+143 bps
CRE / Total Capitaln/a193.46%192.98%181.03%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Dean Co-operative Bank

Franklin, MA · Cert 27269 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 4 branches

Q2 2026

$494.3MAssets
$355.7MLoans
$420.6MDeposits
$33.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.39%

Rank 15 of 29

Net Interest Margin

3.06%

Rank 6 of 29

Efficiency Ratio

86.55%

Rank 19 of 29

Equity / Assets

6.71%

Rank 28 of 29

Non-interest income vs. expense

$3.2M$15.9MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 38% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 86.55%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.23%0.39%0.50%Beats 48%15 / 29
Return on Equity5.78%2.29%3.46%5.78%Beats 72%8 / 29
Net Interest Margin3.06%2.42%2.71%3.01%Beats 79%6 / 29
Efficiency Ratio86.55%78.96%84.14%93.09%Beats 38%19 / 29
Asset Quality
Nonperforming Loans / Loans0.13%0.03%0.13%0.43%Beats 52%15 / 29
Net Charge-Offs / Loans0.03%n/a0.00%0.00%Beats 3%29 / 29
Capital
Tier 1 Capital Ratio13.42%11.54%13.48%16.99%Beats 45%16 / 29
Total Risk-Based Capital Ratio14.44%11.54%14.44%17.87%Beats 48%15 / 29
Equity / Assets6.71%8.70%9.70%11.05%Beats 3%28 / 29
Liquidity & Funding
Loans / Deposits84.58%84.22%92.17%95.56%29th pctl20 / 28
Loans / Assets71.96%69.12%73.70%81.02%31st pctl20 / 29
Brokered Deposits / Depositsn/aNot reported for this institution