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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.87% | 0.88% | 0.93% | 0.06% | -79 bps | |
| Return on Equity | 10.00% | 10.06% | 10.23% | 10.51% | 0.71% | -930 bps | |
| Net Interest Margin | 3.08% | 3.05% | 3.12% | 3.22% | 3.26% | +19 bps | |
| Efficiency Ratio | 69.14% | 68.05% | 67.54% | 66.39% | 93.30% | +2,416 bps | |
| Non-Interest Burden | 1.99% | 1.94% | 1.96% | 1.99% | 3.01% | +102 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.03% | 5.81% | 8.10% | 5.98% | 3.77% | -226 bps | |
| Loan Growth (YoY) | 12.64% | 13.40% | 11.65% | 10.83% | 8.00% | -464 bps | |
| Deposit Growth (YoY) | 4.31% | 3.19% | 5.29% | 4.74% | 2.66% | -165 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.67% | 0.67% | 0.70% | 0.56% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | -0.04% | 0.18% | +18 bps | |
| Allowance / Loans | 1.65% | 1.65% | 1.59% | 1.58% | 1.51% | -13 bps | |
| Allowance Coverage of NPLs | 3.5x | 2.5x | 2.4x | 2.2x | 2.7x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.94% | 9.88% | 10.14% | 10.19% | 9.84% | -10 bps | |
| Total Risk-Based Capital | 12.99% | 13.05% | 13.03% | 13.05% | 12.84% | -15 bps | |
| Equity / Assets | 8.31% | 9.01% | 8.68% | 9.08% | 8.90% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.60% | 92.11% | 95.07% | 94.17% | 93.21% | +461 bps | |
| Liquid Assets / Assets | 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 |