Salem, NH · Cert 27824
SL · FDIC · 2 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #54 of 100 inst. · $0.4B of $580.3B
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 | -0.66% | -0.53% | -0.63% | -0.31% | -0.15% | -0.04% | 0.28% | 0.25% | +56 bps | |
| Return on Equity | -5.61% | -4.55% | -5.81% | -2.81% | -1.36% | -0.39% | 2.50% | 2.30% | +510 bps | |
| Net Interest Margin | 1.47% | 1.51% | 1.68% | 1.76% | 1.83% | 1.91% | 2.26% | 2.28% | +52 bps | |
| Efficiency Ratio | 151.61% | 141.32% | 148.24% | 121.82% | 108.42% | 101.52% | 83.63% | 84.66% | -3,716 bps | |
| Non-Interest Burden | 2.29% | 2.20% | 2.55% | 2.17% | 2.00% | 1.94% | 1.87% | 1.90% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 4.87% | 6.28% | 2.60% | 2.48% | 0.89% | -0.87% | 1.46% | -114 bps | |
| Loan Growth (YoY) | 5.78% | 5.26% | 4.40% | 2.36% | 2.66% | 0.39% | 0.12% | 3.10% | +74 bps | |
| Deposit Growth (YoY) | -5.07% | -5.80% | -0.84% | 6.94% | 8.96% | 9.62% | 5.55% | 4.55% | -239 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.32% | 0.44% | 0.43% | 0.25% | 0.26% | 0.26% | 0.26% | -18 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.04% | 0.02% | 0.08% | 0.06% | 0.02% | 0.04% | +2 bps | |
| Allowance / Loans | 0.60% | 0.58% | 0.61% | 0.63% | 0.63% | 0.62% | 0.64% | 0.63% | +1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.8x | 1.4x | 1.4x | 2.5x | 2.4x | 2.5x | 2.5x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.10% | 11.91% | 11.60% | 11.60% | 11.52% | 11.64% | 11.76% | 11.89% | +29 bps | |
| Total Risk-Based Capital | 19.40% | 19.03% | 18.73% | 18.96% | 18.64% | 18.77% | 19.25% | 18.90% | -6 bps | |
| Equity / Assets | 11.23% | 11.01% | 10.79% | 10.87% | 10.89% | 11.12% | 11.18% | 11.02% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.86% | 130.90% | 123.64% | 121.44% | 118.58% | 119.88% | 117.27% | 119.76% | -168 bps | |
| Liquid Assets / Assets | 0.96% | 0.54% | 1.90% | 1.81% | 1.32% | 0.54% | 1.85% | 1.09% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 182.23% | 187.45% | 191.20% | n/a | n/a | |