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Foxboro Federal Savings

Foxboro, MA · Cert 27918

FDIC · 3 branches

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Foxboro Federal Savings

Foxboro, MA · Cert 27918

FDIC · 3 branches

Q3 2022

$199.4MAssets
$113.0MLoans
$175.7MDeposits
$22.3MEquity
Deposit mix
85%Interest-bearing $150.1M15%Noninterest $25.6MQ3 2021Q3 2022

NIM

2.84%Q3 ’202.30%Q3 ’212.47%Q3 ’22-14%+11%

Non-interest income vs. expense

2.15%Q3 ’201.93%Q3 ’211.94%Q3 ’22-15%+6%

Market Position · Boston-Cambridge-Newton, MA-NH · 2022 SOD (annual) · 0.0% share · #78 of 111 inst. · $0.2B of $511.3B

Executive Summary

  • Earnings: ROA of 0.60%, up 7 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.51%, up 65 bps from a year ago.
  • Funding: loans stand at 64.29% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.60%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+23 bps YoY

Efficiency Ratio (YTD, annualized)

72.72%-368 bps YoY

Tier 1 Leverage Ratio

15.51%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.53%0.52%0.60%0.60%0.60%+7 bps
Return on Equity3.48%3.41%4.26%4.45%4.68%+120 bps
Net Interest Margin2.16%2.15%2.26%2.31%2.38%+23 bps
Efficiency Ratio76.40%77.15%72.40%72.25%72.72%-368 bps
Non-Interest Burden1.56%1.58%1.56%1.59%1.65%+10 bps
Growth
Asset Growth (YoY)10.12%10.10%3.73%2.45%-1.27%-1,139 bps
Loan Growth (YoY)-4.12%0.02%7.06%3.27%3.38%+751 bps
Deposit Growth (YoY)11.72%11.88%6.12%5.81%3.29%-844 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.89%0.89%0.86%0.86%0.86%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.87%14.77%14.85%15.19%15.51%+65 bps
Total Risk-Based Capital35.63%34.03%33.30%36.41%36.25%+62 bps
Equity / Assets15.02%14.75%13.24%12.43%11.17%-385 bps
Liquidity & Funding
Loans / Deposits64.23%62.30%64.22%63.40%64.29%+6 bps
Liquid Assets / Assets11.32%5.90%4.88%6.47%5.44%-588 bps
CRE / Total Capitaln/an/an/an/an/an/an/a