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

Unfavorable gap of $6.6M · efficiency ratio beats 48% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.23%	0.13%	0.28%	0.49%	Beats 35%	20 / 31
Return on Equity	1.28%	1.11%	3.02%	4.08%	Beats 26%	23 / 31
Net Interest Margin	2.07%	2.17%	2.50%	2.88%	Beats 16%	26 / 31
Efficiency Ratio	88.30%	81.28%	87.05%	95.77%	Beats 48%	17 / 31
Asset Quality
Nonperforming Loans / Loans	0.00%	0.01%	0.10%	0.40%	Beats 100%	7 / 31
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.01%	Beats 100%	14 / 31
Capital
Tier 1 Capital Ratio	33.65%	11.34%	13.43%	16.66%	Beats 90%	3 / 31
Total Risk-Based Capital Ratio	34.57%	11.34%	14.38%	17.62%	Beats 90%	3 / 31
Equity / Assets	18.06%	8.86%	9.57%	11.89%	Beats 87%	4 / 31
Liquidity & Funding
Loans / Deposits	65.23%	80.39%	92.31%	102.62%	3rd pctl	29 / 30
Loans / Assets	50.68%	67.10%	74.95%	81.09%	3rd pctl	30 / 31
Brokered Deposits / Deposits	0.00%	n/a	1.08%	4.39%	Beats 100%	14 / 30	n/a