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 |