Woburn, MA · Cert 58133
FDIC · 1 branch
Q2 2022
Market Position · Boston-Cambridge-Newton, MA-NH · 2022 SOD (annual) · 0.0% share · #79 of 111 inst. · $0.2B of $511.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.03% | 0.69% | 0.84% | 0.87% | -35 bps | |
| Return on Equity | 8.67% | 7.33% | 4.77% | 5.59% | 5.60% | -307 bps | |
| Net Interest Margin | 2.64% | 2.48% | 2.51% | 2.65% | 2.89% | +25 bps | |
| Efficiency Ratio | 50.38% | 61.51% | 66.31% | 68.63% | 59.59% | +921 bps | |
| Non-Interest Burden | 0.47% | 1.23% | 1.43% | 1.70% | 1.63% | +116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.12% | 9.10% | 2.19% | -2.48% | -5.38% | -1,350 bps | |
| Loan Growth (YoY) | 7.69% | 1.47% | -4.52% | -11.06% | -7.73% | -1,542 bps | |
| Deposit Growth (YoY) | 8.02% | 8.88% | 1.25% | -3.71% | -6.90% | -1,492 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.80% | 0.87% | 0.86% | 0.87% | 0.87% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.35% | 1.38% | 1.33% | 1.34% | +2 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.6x | 1.5x | 1.5x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.67% | 14.53% | 14.71% | 15.35% | 15.57% | +91 bps | |
| Total Risk-Based Capital | 22.76% | 24.24% | 25.28% | 25.53% | 25.81% | +304 bps | |
| Equity / Assets | 14.12% | 14.13% | 14.86% | 15.36% | 15.82% | +170 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.89% | 73.77% | 77.18% | 78.77% | 80.16% | -72 bps | |
| Liquid Assets / Assets | 28.85% | 35.21% | 34.49% | 32.44% | 30.80% | +194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |