Franklin, MA · Cert 27269
SI · FDIC · 4 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #60 of 100 inst. · $0.3B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.33% | 0.36% | 0.40% | 0.38% | +13 bps | |
| Return on Equity | 4.09% | 5.25% | 5.39% | 5.97% | 5.74% | +165 bps | |
| Net Interest Margin | 2.71% | 2.80% | 2.87% | 3.03% | 3.13% | +42 bps | |
| Efficiency Ratio | 90.92% | 88.14% | 87.26% | 86.03% | 87.05% | -387 bps | |
| Non-Interest Burden | 2.40% | 2.38% | 2.42% | 2.52% | 2.64% | +23 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 / Loans | 0.12% | 0.08% | 0.08% | 0.07% | 0.13% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.13% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.94% | 0.92% | 0.89% | 0.87% | -6 bps | |
| Allowance Coverage of NPLs | 7.9x | 11.4x | 12.2x | 13.4x | 6.7x | -1.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.02% | 8.11% | 8.14% | 8.25% | 8.26% | +25 bps | |
| Total Risk-Based Capital | 14.19% | 14.38% | 14.36% | 14.64% | 14.44% | +25 bps | |
| Equity / Assets | 6.14% | 6.62% | 6.68% | 6.61% | 6.71% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.09% | 83.59% | 82.76% | 82.14% | 84.58% | +149 bps | |
| Liquid Assets / Assets | 1.78% | 1.94% | 2.93% | 4.95% | 3.21% | +143 bps | |
| CRE / Total Capital | n/a | 193.46% | 192.98% | 181.03% | n/a | n/a | |