Brockton, MA · Cert 59070
FDIC · 33 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
15
Profitability
30
Liquidity
67
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Brockton, MA · Cert 59070
FDIC · 33 branches
Q3 2025
Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.6% share · #18 of 107 inst. · $3.1B of $536.6B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.51% | 0.51% | 0.43% | 0.48% | 0.39% | 0.51% | 0.44% | +1 bps | |
| Return on Equity | 3.31% | 5.56% | 5.55% | 4.64% | 5.16% | 4.17% | 5.36% | 4.64% | 0 bps | |
| Net Interest Margin | 2.30% | 2.11% | 2.14% | 2.18% | 2.19% | 2.21% | 2.30% | 2.34% | +16 bps | |
| Efficiency Ratio | 74.05% | 76.52% | 75.44% | 75.63% | 74.71% | 78.81% | 75.49% | 73.48% | -215 bps | |
| Non-Interest Burden | 1.69% | 1.44% | 1.40% | 1.45% | 1.42% | 1.59% | 1.54% | 1.49% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.76% | 5.23% | 2.25% | 1.97% | 1.47% | -2.69% | -3.07% | -2.62% | -459 bps | |
| Loan Growth (YoY) | 4.42% | 3.38% | 3.43% | 3.53% | 2.50% | 0.99% | -2.56% | -2.42% | -595 bps | |
| Deposit Growth (YoY) | 3.61% | 2.98% | 3.40% | 2.39% | 3.26% | 4.76% | 0.65% | -2.26% | -465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.25% | 0.20% | 0.58% | 0.60% | 0.64% | 0.69% | 1.18% | +60 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.01% | 0.01% | 0.01% | 0.72% | 0.44% | 0.46% | +45 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.01% | 1.10% | 1.15% | 1.02% | 1.01% | 1.05% | -5 bps | |
| Allowance Coverage of NPLs | 2.7x | 4.0x | 5.0x | 1.9x | 1.9x | 1.6x | 1.5x | 0.9x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 8.86% | 8.94% | 9.07% | 9.19% | 9.20% | 9.30% | 9.41% | +35 bps | |
| Total Risk-Based Capital | 11.88% | 11.98% | 11.87% | 12.01% | 12.25% | 12.18% | 12.45% | 12.48% | +47 bps | |
| Equity / Assets | 9.28% | 8.97% | 9.18% | 9.39% | 9.35% | 9.44% | 9.63% | 9.68% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.66% | 108.14% | 108.74% | 107.58% | 106.87% | 104.25% | 105.27% | 107.40% | -18 bps | |
| Liquid Assets / Assets | 3.68% | 6.43% | 3.57% | 3.54% | 3.62% | 3.60% | 3.12% | 3.00% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 443% | n/a | n/a |
Brockton, MA · Cert 59070 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28)
FDIC · 33 branches
Q3 2025
Return on Assets
0.45%
Rank 20 of 28
Net Interest Margin
2.34%
Rank 18 of 28
Efficiency Ratio
73.90%
Rank 16 of 28
Equity / Assets
9.68%
Rank 22 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.44% | 0.70% | 1.00% | Beats 29% | 20 / 28 | ||
| Return on Equity | 4.61% | 4.61% | 6.07% | 8.11% | Beats 25% | 21 / 28 | ||
| Net Interest Margin | 2.34% | 2.25% | 2.56% | 3.28% | Beats 36% | 18 / 28 | ||
| Efficiency Ratio | 73.90% | 60.44% | 73.86% | 76.72% | Beats 46% | 16 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.21% | 0.50% | 0.77% | Beats 18% | 24 / 28 | ||
| Net Charge-Offs / Loans | 0.35% | 0.00% | 0.01% | 0.10% | Beats 11% | 26 / 28 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.34% | 13.02% | 14.18% | 16.41% | Beats 11% | 25 / 28 | ||
| Total Risk-Based Capital Ratio | 12.48% | 13.94% | 14.88% | 17.05% | Beats 11% | 25 / 28 | ||
| Equity / Assets | 9.68% | 9.70% | 11.02% | 13.40% | Beats 21% | 22 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.40% | 95.79% | 102.11% | 107.40% | 75th pctl | 7 / 28 | ||
| Loans / Assets | 85.11% | 77.96% | 80.54% | 85.11% | 75th pctl | 7 / 28 | ||
| Brokered Deposits / Deposits | 7.11% | n/a | 6.14% | 11.95% | Beats 46% | 16 / 28 | n/a | |