Wellesley, MA · Cert 27479
FDIC
Q2 2026
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.38% | 6.63% | 6.92% | 4.89% | 5.72% | -66 bps | |
| Return on Equity | 7.28% | 7.59% | 7.95% | 5.69% | 6.69% | -59 bps | |
| Net Interest Margin | 3.05% | 2.88% | 2.83% | 2.53% | 2.67% | -38 bps | |
| Efficiency Ratio | 64.24% | 63.08% | 61.45% | 72.20% | 68.29% | +404 bps | |
| Non-Interest Burden | -6.42% | -6.70% | -6.95% | -4.73% | -5.70% | +73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.78% | 10.96% | 11.23% | 10.27% | 10.63% | -15 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 87.92% | 86.41% | 85.44% | 84.61% | 84.56% | -335 bps | |
| Total Risk-Based Capital | 87.92% | 86.41% | 85.44% | 84.61% | 84.56% | -335 bps | |
| Equity / Assets | 87.31% | 86.38% | 86.07% | 85.63% | 84.97% | -234 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |