PackageTrendsPeer
Letter portraitLegal landscape

Colonial Federal Savings Bank

Quincy, MA · Cert 28481

FDIC · 4 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q3 2025peer median (50)

Asset Quality

100

Q2 2024Q3 2025peer median (50)

Profitability

26

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

48

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

Colonial Federal Savings Bank

Quincy, MA · Cert 28481

FDIC · 4 branches

Q3 2025

$358.8MAssets
$181.8MLoans
$278.7MDeposits
$64.8MEquity
Loan mix
99%RE $180.3M0%C&I $0.0M1%Consumer $1.5MQ3 2024Q3 2025
Deposit mix
84%Interest-bearing $234.2M16%Noninterest $44.6MQ3 2024Q3 2025

NIM

3.13%Q3 ’233.44%Q3 ’243.67%Q3 ’25-20%+15%

Non-interest income vs. expense

2.15%Q3 ’232.01%Q3 ’242.02%Q3 ’25-8%+0%

Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.1% share · #66 of 107 inst. · $0.3B of $536.6B

Executive Summary

  • Earnings: ROA of 0.23%, up 15 bps year over year; NIM at 2.07%.
  • 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 17.83%, up 22 bps from a year ago.
  • Funding: loans stand at 65.23% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.23%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.07%+27 bps YoY

Efficiency Ratio (YTD, annualized)

88.30%-1,170 bps YoY

Tier 1 Leverage Ratio

17.83%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.08%0.04%0.06%0.21%0.23%+15 bps
Return on Equity0.47%0.20%0.33%1.18%1.29%+82 bps
Net Interest Margin1.80%1.82%1.93%2.02%2.07%+27 bps
Efficiency Ratio100.00%101.40%93.34%88.46%88.30%-1,170 bps
Non-Interest Burden1.80%1.85%1.79%1.76%1.80%0 bps
Growth
Asset Growth (YoY)5.20%1.00%2.28%0.89%-1.43%-664 bps
Loan Growth (YoY)-3.53%-4.56%1.29%3.94%7.25%+1,078 bps
Deposit Growth (YoY)3.92%4.40%2.75%0.92%-1.31%-523 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.14%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%0.83%0.86%0.87%0.87%-2 bps
Allowance Coverage of NPLsn/a6.1xn/an/an/an/a
Capital
Tier 1 Leverage Ratio17.61%17.68%17.66%17.84%17.83%+22 bps
Total Risk-Based Capital34.36%34.36%34.24%34.22%34.57%+21 bps
Equity / Assets17.56%17.63%17.51%17.60%18.06%+50 bps
Liquidity & Funding
Loans / Deposits60.02%59.99%61.46%62.88%65.23%+521 bps
Liquid Assets / Assets48.48%48.36%47.29%46.11%44.34%-414 bps
CRE / Total Capitaln/an/an/an/a47.05%n/an/a

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. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Colonial Federal Savings Bank

Quincy, MA · Cert 28481 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=30-31)

FDIC · 4 branches

Q3 2025

$358.8MAssets
$181.8MLoans
$278.7MDeposits
$64.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 7 of 31).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 31).
  • Overall: at or above the peer median on 6 of 10 directional measures.

Return on Assets

0.23%

Rank 20 of 31

Net Interest Margin

2.07%

Rank 26 of 31

Efficiency Ratio

88.30%

Rank 17 of 31

Equity / Assets

18.06%

Rank 4 of 31

Non-interest income vs. expense

$0.8M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 48% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 88.30%Peer median 87.0%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.13%0.28%0.49%Beats 35%20 / 31
Return on Equity1.28%1.11%3.02%4.08%Beats 26%23 / 31
Net Interest Margin2.07%2.17%2.50%2.88%Beats 16%26 / 31
Efficiency Ratio88.30%81.28%87.05%95.77%Beats 48%17 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.10%0.40%Beats 100%7 / 31
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%14 / 31
Capital
Tier 1 Capital Ratio33.65%11.34%13.43%16.66%Beats 90%3 / 31
Total Risk-Based Capital Ratio34.57%11.34%14.38%17.62%Beats 90%3 / 31
Equity / Assets18.06%8.86%9.57%11.89%Beats 87%4 / 31
Liquidity & Funding
Loans / Deposits65.23%80.39%92.31%102.62%3rd pctl29 / 30
Loans / Assets50.68%67.10%74.95%81.09%3rd pctl30 / 31
Brokered Deposits / Deposits0.00%n/a1.08%4.39%Beats 100%14 / 30