Hyde Park, MA · Cert 29842
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #75 of 100 inst. · $0.1B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.37% | 0.24% | 0.33% | 0.41% | +20 bps | |
| Return on Equity | 1.58% | 2.71% | 1.75% | 2.44% | 3.02% | +144 bps | |
| Net Interest Margin | 2.65% | 2.65% | 2.64% | 2.65% | 2.71% | +6 bps | |
| Efficiency Ratio | 84.38% | 79.86% | 85.85% | 84.12% | 73.93% | -1,045 bps | |
| Non-Interest Burden | 2.22% | 2.10% | 2.25% | 2.22% | 1.98% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.29% | -1.58% | -4.34% | 3.39% | 1.42% | +170 bps | |
| Loan Growth (YoY) | 0.53% | 3.12% | 0.29% | -0.51% | -3.74% | -427 bps | |
| Deposit Growth (YoY) | 1.09% | -1.35% | -2.94% | 6.55% | 7.43% | +634 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.56% | 0.49% | 0.50% | +26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.58% | 0.60% | 0.62% | 0.63% | 0.64% | +6 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.5x | 1.1x | 1.3x | 1.3x | -1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.38% | 16.20% | 16.44% | 16.29% | 16.31% | -8 bps | |
| Total Risk-Based Capital | 16.38% | 16.20% | 16.44% | 16.29% | 16.31% | -8 bps | |
| Equity / Assets | 13.33% | 13.60% | 13.65% | 13.42% | 13.78% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.98% | 104.18% | 98.77% | 94.82% | 91.38% | -1,060 bps | |
| Liquid Assets / Assets | 6.61% | 6.88% | 4.35% | 7.81% | 6.55% | -6 bps | |
| CRE / Total Capital | n/a | 118.70% | 110.75% | 113.16% | n/a | n/a | |