Quincy, MA · Cert 28481
FDIC · 4 branches
Q3 2025
Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.1% share · #66 of 107 inst. · $0.3B of $536.6B
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.00% | 0.11% | 0.08% | 0.04% | 0.06% | 0.21% | 0.23% | +15 bps | |
| Return on Equity | 1.07% | -0.01% | 0.60% | 0.47% | 0.20% | 0.33% | 1.18% | 1.29% | +82 bps | |
| Net Interest Margin | 2.16% | 1.84% | 1.82% | 1.80% | 1.82% | 1.93% | 2.02% | 2.07% | +27 bps | |
| Efficiency Ratio | 92.99% | 102.85% | 99.70% | 100.00% | 101.40% | 93.34% | 88.46% | 88.30% | -1,170 bps | |
| Non-Interest Burden | 1.99% | 1.90% | 1.82% | 1.80% | 1.85% | 1.79% | 1.76% | 1.80% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | 1.88% | 4.17% | 5.20% | 1.00% | 2.28% | 0.89% | -1.43% | -664 bps | |
| Loan Growth (YoY) | -2.05% | -3.49% | -3.19% | -3.53% | -4.56% | 1.29% | 3.94% | 7.25% | +1,078 bps | |
| Deposit Growth (YoY) | -6.20% | -1.63% | 2.60% | 3.92% | 4.40% | 2.75% | 0.92% | -1.31% | -523 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.00% | 0.00% | 0.00% | 0.14% | 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 | 0.93% | 0.91% | 0.90% | 0.89% | 0.83% | 0.86% | 0.87% | 0.87% | -2 bps | |
| Allowance Coverage of NPLs | 17.5x | n/a | n/a | n/a | 6.1x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.32% | 17.83% | 17.82% | 17.61% | 17.68% | 17.66% | 17.84% | 17.83% | +22 bps | |
| Total Risk-Based Capital | 33.32% | 34.07% | 33.82% | 34.36% | 34.36% | 34.24% | 34.22% | 34.57% | +21 bps | |
| Equity / Assets | 17.67% | 17.76% | 17.57% | 17.56% | 17.63% | 17.51% | 17.60% | 18.06% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.63% | 62.35% | 61.06% | 60.02% | 59.99% | 61.46% | 62.88% | 65.23% | +521 bps | |
| Liquid Assets / Assets | 45.61% | 46.72% | 47.57% | 48.48% | 48.36% | 47.29% | 46.11% | 44.34% | -414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 47.05% | n/a | n/a |