Lowell, MA · Cert 27408
FDIC · 27 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
33
Profitability
30
Liquidity
44
Efficiency
7
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.
Lowell, MA · Cert 27408
FDIC · 27 branches
Q2 2025
Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.7% share · #16 of 107 inst. · $3.6B of $536.6B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.91% | 0.83% | 0.85% | 0.87% | 0.88% | 0.93% | 0.06% | -79 bps | |
| Return on Equity | 11.97% | 11.10% | 9.66% | 10.00% | 10.06% | 10.23% | 10.51% | 0.71% | -930 bps | |
| Net Interest Margin | 3.44% | 3.40% | 3.12% | 3.08% | 3.05% | 3.12% | 3.22% | 3.26% | +19 bps | |
| Efficiency Ratio | 61.15% | 62.47% | 70.27% | 69.14% | 68.05% | 67.54% | 66.39% | 93.30% | +2,416 bps | |
| Non-Interest Burden | 1.94% | 1.97% | 2.06% | 1.99% | 1.94% | 1.96% | 1.99% | 3.01% | +102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.05% | 0.62% | 4.10% | 6.03% | 5.81% | 8.10% | 5.98% | 3.77% | -226 bps | |
| Loan Growth (YoY) | 9.48% | 12.18% | 13.13% | 12.64% | 13.40% | 11.65% | 10.83% | 8.00% | -464 bps | |
| Deposit Growth (YoY) | -1.87% | -1.44% | 2.25% | 4.31% | 3.19% | 5.29% | 4.74% | 2.66% | -165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.32% | 0.51% | 0.47% | 0.67% | 0.67% | 0.70% | 0.56% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | -0.04% | 0.18% | +18 bps | |
| Allowance / Loans | 1.70% | 1.65% | 1.66% | 1.65% | 1.65% | 1.59% | 1.58% | 1.51% | -13 bps | |
| Allowance Coverage of NPLs | 5.0x | 5.2x | 3.3x | 3.5x | 2.5x | 2.4x | 2.2x | 2.7x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 10.01% | 10.13% | 9.94% | 9.88% | 10.14% | 10.19% | 9.84% | -10 bps | |
| Total Risk-Based Capital | 13.45% | 13.09% | 13.20% | 12.99% | 13.05% | 13.03% | 13.05% | 12.84% | -15 bps | |
| Equity / Assets | 8.01% | 8.68% | 8.50% | 8.31% | 9.01% | 8.68% | 9.08% | 8.90% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.82% | 89.65% | 88.99% | 88.60% | 92.11% | 95.07% | 94.17% | 93.21% | +461 bps | |
| Liquid Assets / Assets | 2.70% | 0.44% | 2.29% | 3.16% | 0.65% | 0.91% | 0.71% | 1.18% | -198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Lowell, MA · Cert 27408 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=29)
FDIC · 27 branches
Q2 2025
Return on Assets
0.06%
Rank 27 of 29
Net Interest Margin
3.26%
Rank 7 of 29
Efficiency Ratio
93.30%
Rank 28 of 29
Equity / Assets
8.90%
Rank 24 of 29
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.06% | 0.32% | 0.51% | 0.75% | Beats 7% | 27 / 29 | ||
| Return on Equity | 0.70% | 3.59% | 5.33% | 6.80% | Beats 7% | 27 / 29 | ||
| Net Interest Margin | 3.26% | 2.25% | 2.52% | 3.26% | Beats 76% | 7 / 29 | ||
| Efficiency Ratio | 93.30% | 61.36% | 75.34% | 81.67% | Beats 7% | 28 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.19% | 0.55% | 0.81% | Beats 48% | 16 / 29 | ||
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 17% | 25 / 29 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.59% | 11.59% | 13.70% | 15.29% | Beats 24% | 22 / 29 | ||
| Total Risk-Based Capital Ratio | 12.84% | 12.69% | 14.67% | 15.78% | Beats 28% | 21 / 29 | ||
| Equity / Assets | 8.90% | 9.29% | 10.12% | 12.24% | Beats 17% | 24 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.21% | 92.70% | 101.54% | 106.61% | 28th pctl | 21 / 29 | ||
| Loans / Assets | 82.17% | 77.31% | 80.20% | 85.37% | 55th pctl | 13 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||