Canton, MA · Cert 34629
FDIC
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 29.54% | 29.73% | 27.52% | 31.00% | 31.79% | 31.30% | 26.75% | 27.53% | -347 bps | |
| Return on Equity | 35.31% | 35.34% | 32.03% | 36.03% | 37.23% | 36.63% | 31.72% | 33.09% | -294 bps | |
| Net Interest Margin | 4.47% | 4.11% | 3.24% | 3.17% | 3.09% | 3.11% | 2.85% | 2.91% | -26 bps | |
| Efficiency Ratio | 45.75% | 46.72% | 51.25% | 51.27% | 49.43% | 50.28% | 53.24% | 53.34% | +207 bps | |
| Non-Interest Burden | -40.37% | -39.25% | -34.73% | -34.55% | -36.49% | -36.42% | -33.28% | -33.85% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | -17.14% | -5.38% | -2.14% | -0.33% | 0.36% | 4.15% | -6.23% | -409 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 69.67% | 67.10% | 68.93% | 71.04% | 69.64% | 70.29% | 70.18% | 55.33% | -1,571 bps | |
| Total Risk-Based Capital | 143.51% | 162.86% | 168.26% | 174.97% | 182.08% | 185.24% | 170.77% | 129.29% | -4,568 bps | |
| Equity / Assets | 83.31% | 86.19% | 85.62% | 86.35% | 83.47% | 85.68% | 83.02% | 80.75% | -559 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 35.77% | 33.16% | 35.01% | 36.23% | 40.90% | 39.23% | 41.14% | 33.39% | -284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |