Warwick, RI · Cert 27417 · Jamestown Trust#3
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 0.7% share · #19 of 22 inst. · $0.4B of $61.9B
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.88% | 0.99% | 0.95% | 0.79% | 0.66% | 0.24% | 0.50% | -45 bps | |
| Return on Equity | 6.85% | 7.74% | 9.04% | 8.67% | 7.24% | 5.95% | 2.15% | 4.62% | -405 bps | |
| Net Interest Margin | 4.57% | 4.61% | 4.64% | 4.67% | 4.54% | 4.65% | 4.17% | 4.06% | -61 bps | |
| Efficiency Ratio | 71.93% | 71.19% | 70.83% | 71.79% | 74.07% | 76.63% | 80.17% | 76.56% | +477 bps | |
| Non-Interest Burden | 2.78% | 2.73% | 2.64% | 2.76% | 2.84% | 3.12% | 3.14% | 2.73% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.78% | 16.45% | 12.90% | 7.17% | 0.52% | -0.85% | 5.66% | 6.38% | -79 bps | |
| Loan Growth (YoY) | 26.30% | 16.89% | 12.14% | 9.07% | -2.14% | -1.10% | 6.26% | 5.64% | -343 bps | |
| Deposit Growth (YoY) | 25.17% | 24.24% | 15.37% | 4.29% | 0.50% | -4.25% | -3.33% | -2.44% | -673 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.82% | 0.83% | 0.78% | 1.07% | 1.28% | 1.38% | 1.12% | +35 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.57% | 0.34% | 0.39% | 0.50% | 0.57% | 1.08% | 0.85% | +46 bps | |
| Allowance / Loans | 1.98% | 2.12% | 2.23% | 2.25% | 2.36% | 2.38% | 2.13% | 2.11% | -14 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.6x | 2.7x | 2.9x | 2.2x | 1.9x | 1.5x | 1.9x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 11.00% | 11.14% | 10.98% | 10.78% | 11.20% | 11.17% | 10.65% | -32 bps | |
| Total Risk-Based Capital | 14.23% | 14.31% | 14.26% | 14.21% | 14.10% | 14.41% | 14.13% | 13.99% | -22 bps | |
| Equity / Assets | 10.77% | 11.01% | 10.95% | 10.88% | 10.92% | 11.41% | 10.50% | 10.34% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.98% | 100.91% | 99.63% | 102.96% | 100.27% | 104.23% | 109.51% | 111.49% | +853 bps | |
| Liquid Assets / Assets | 6.25% | 6.84% | 7.81% | 6.64% | 8.37% | 6.44% | 6.97% | 7.22% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 255% | 297% | n/a | n/a | |