Arlington, MA · Cert 57134 · Leader Bcorp Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.7% share · #15 of 100 inst. · $4.3B 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 | 0.77% | 0.86% | 0.77% | 0.70% | 0.97% | +20 bps | |
| Return on Equity | 7.53% | 8.35% | 7.28% | 6.53% | 9.14% | +161 bps | |
| Net Interest Margin | 2.15% | 2.22% | 2.34% | 2.36% | 2.69% | +54 bps | |
| Efficiency Ratio | 60.38% | 55.69% | 64.63% | 67.93% | 59.52% | -86 bps | |
| Non-Interest Burden | 0.99% | 0.63% | 1.22% | 1.33% | 1.22% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.81% | 10.92% | 9.47% | 3.53% | 3.37% | -744 bps | |
| Loan Growth (YoY) | 7.99% | 9.54% | 9.28% | 8.03% | 10.24% | +225 bps | |
| Deposit Growth (YoY) | 12.63% | 13.61% | 6.44% | 1.22% | 2.80% | -982 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.03% | 0.03% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 1.01% | 1.01% | 1.00% | 0.95% | +2 bps | |
| Allowance Coverage of NPLs | 25.5x | 34.4x | 31.6x | 31.7x | 33.1x | +7.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.89% | 11.30% | 11.34% | 11.75% | 11.58% | +69 bps | |
| Total Risk-Based Capital | 22.25% | 22.05% | 22.10% | 21.57% | 21.06% | -119 bps | |
| Equity / Assets | 10.14% | 10.44% | 10.71% | 10.77% | 10.53% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.93% | 98.38% | 105.88% | 103.32% | 102.87% | +694 bps | |
| Liquid Assets / Assets | 14.36% | 12.02% | 10.27% | 10.17% | 9.59% | -477 bps | |
| CRE / Total Capital | n/a | 271% | 271% | 267% | n/a | n/a | |