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 (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 | 0.53% | 0.53% | 0.55% | 0.67% | 0.74% | 0.75% | 0.70% | 0.84% | +17 bps | |
| Return on Equity | 4.95% | 4.98% | 5.19% | 6.37% | 7.04% | 7.11% | 6.53% | 7.84% | +147 bps | |
| Net Interest Margin | 1.83% | 1.84% | 2.03% | 2.03% | 2.11% | 2.16% | 2.36% | 2.49% | +46 bps | |
| Efficiency Ratio | 67.44% | 67.81% | 67.18% | 63.51% | 60.44% | 61.53% | 67.93% | 63.41% | -10 bps | |
| Non-Interest Burden | 1.01% | 1.04% | 1.15% | 1.03% | 0.91% | 0.98% | 1.33% | 1.25% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 3.66% | 7.01% | 10.81% | 10.92% | 9.47% | 3.53% | 3.37% | -744 bps | |
| Loan Growth (YoY) | 10.56% | 10.39% | 10.09% | 7.99% | 9.54% | 9.28% | 8.03% | 10.24% | +225 bps | |
| Deposit Growth (YoY) | 4.42% | 0.57% | 7.59% | 12.63% | 13.61% | 6.44% | 1.22% | 2.80% | -982 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.04% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.93% | 0.93% | 1.01% | 1.01% | 1.00% | 0.95% | +2 bps | |
| Allowance Coverage of NPLs | 22.4x | 31.7x | 24.0x | 25.5x | 34.4x | 31.6x | 31.7x | 33.1x | +7.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 11.53% | 11.45% | 10.89% | 11.30% | 11.34% | 11.75% | 11.58% | +69 bps | |
| Total Risk-Based Capital | 19.49% | 19.85% | 19.87% | 22.25% | 22.05% | 22.10% | 21.57% | 21.06% | -119 bps | |
| Equity / Assets | 10.84% | 10.85% | 10.37% | 10.14% | 10.44% | 10.71% | 10.77% | 10.53% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.03% | 103.13% | 96.81% | 95.93% | 98.38% | 105.88% | 103.32% | 102.87% | +694 bps | |
| Liquid Assets / Assets | 10.29% | 9.86% | 13.85% | 14.36% | 12.02% | 10.27% | 10.17% | 9.59% | -477 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 271% | 271% | 267% | n/a | n/a | |