Foxboro, MA · Cert 27918
FDIC · 3 branches
Q3 2022
Market Position · Boston-Cambridge-Newton, MA-NH · 2022 SOD (annual) · 0.0% share · #78 of 111 inst. · $0.2B of $511.3B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.55% | 0.54% | 0.53% | 0.52% | 0.60% | 0.60% | 0.60% | +7 bps | |
| Return on Equity | 3.63% | 3.50% | 3.50% | 3.48% | 3.41% | 4.26% | 4.45% | 4.68% | +120 bps | |
| Net Interest Margin | 2.44% | 2.26% | 2.19% | 2.16% | 2.15% | 2.26% | 2.31% | 2.38% | +23 bps | |
| Efficiency Ratio | 76.15% | 76.94% | 76.64% | 76.40% | 77.15% | 72.40% | 72.25% | 72.72% | -368 bps | |
| Non-Interest Burden | 1.79% | 1.65% | 1.59% | 1.56% | 1.58% | 1.56% | 1.59% | 1.65% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.84% | 17.95% | 10.97% | 10.12% | 10.10% | 3.73% | 2.45% | -1.27% | -1,139 bps | |
| Loan Growth (YoY) | -6.34% | -11.55% | -4.97% | -4.12% | 0.02% | 7.06% | 3.27% | 3.38% | +751 bps | |
| Deposit Growth (YoY) | 15.71% | 21.01% | 12.50% | 11.72% | 11.88% | 6.12% | 5.81% | 3.29% | -844 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.92% | 0.89% | 0.89% | 0.89% | 0.86% | 0.86% | 0.86% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.66% | 15.41% | 14.96% | 14.87% | 14.77% | 14.85% | 15.19% | 15.51% | +65 bps | |
| Total Risk-Based Capital | 36.33% | 38.11% | 35.82% | 35.63% | 34.03% | 33.30% | 36.41% | 36.25% | +62 bps | |
| Equity / Assets | 16.06% | 15.19% | 15.19% | 15.02% | 14.75% | 13.24% | 12.43% | 11.17% | -385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.69% | 63.65% | 64.97% | 64.23% | 62.30% | 64.22% | 63.40% | 64.29% | +6 bps | |
| Liquid Assets / Assets | 12.42% | 8.92% | 10.87% | 11.32% | 5.90% | 4.88% | 6.47% | 5.44% | -588 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |