Springfield, MA · Cert 59143
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
13
Profitability
6
Liquidity
97
Efficiency
5
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.
Springfield, MA · Cert 59143
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Springfield, MA · 2026 SOD (annual) · 2.3% share · #11 of 18 inst. · $0.3B of $14.1B
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 | -0.88% | -0.46% | -0.53% | -0.45% | -0.16% | -0.02% | 0.43% | 0.08% | +53 bps | |
| Return on Equity | -11.20% | -5.79% | -6.67% | -5.74% | -2.11% | -0.20% | 5.73% | 1.14% | +687 bps | |
| Net Interest Margin | 2.40% | 2.47% | 2.54% | 2.76% | 3.12% | 3.05% | 2.76% | 2.50% | -26 bps | |
| Efficiency Ratio | 93.33% | 95.08% | 100.39% | 94.39% | 85.19% | 84.87% | 90.15% | 94.11% | -27 bps | |
| Non-Interest Burden | 2.23% | 2.34% | 2.55% | 2.59% | 2.63% | 2.56% | 2.47% | 2.34% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.27% | -2.43% | 1.20% | -0.28% | 5.94% | 4.27% | 11.83% | 13.10% | +1,338 bps | |
| Loan Growth (YoY) | 12.64% | 9.95% | 6.90% | 9.34% | 3.00% | 3.00% | 0.12% | -3.74% | -1,308 bps | |
| Deposit Growth (YoY) | 11.64% | -1.26% | -0.76% | -3.59% | 2.80% | 1.08% | 14.01% | 15.79% | +1,939 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.76% | 2.82% | 3.78% | 3.53% | 3.32% | 3.08% | 2.69% | 2.34% | -118 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.11% | -0.01% | 1.30% | 0.91% | 1.22% | 0.11% | -0.17% | -148 bps | |
| Allowance / Loans | 2.05% | 2.01% | 2.23% | 2.23% | 2.43% | 1.84% | 1.73% | 2.05% | -19 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.6x | 0.6x | 0.7x | 0.6x | 0.6x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.21% | 8.63% | 8.57% | 8.30% | 8.23% | 8.29% | 8.09% | 7.45% | -85 bps | |
| Total Risk-Based Capital | 11.23% | 11.85% | 11.10% | 11.36% | 11.59% | 11.68% | 11.97% | 12.04% | +69 bps | |
| Equity / Assets | 7.55% | 8.14% | 7.68% | 7.60% | 7.20% | 7.96% | 7.21% | 7.11% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.50% | 93.65% | 92.64% | 94.80% | 86.66% | 95.42% | 81.35% | 78.81% | -1,599 bps | |
| Liquid Assets / Assets | 14.14% | 7.34% | 9.61% | 9.99% | 17.66% | 11.00% | 22.66% | 24.19% | +1,420 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 545% | 551% | 542% | n/a | n/a | |
Springfield, MA · Cert 59143 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.08%
Rank 712 of 746
Net Interest Margin
2.50%
Rank 694 of 746
Efficiency Ratio
94.11%
Rank 709 of 746
Equity / Assets
7.11%
Rank 690 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.08% | 0.72% | 1.06% | 1.45% | Beats 5% | 712 / 746 | ||
| Return on Equity | 1.13% | 6.74% | 10.51% | 13.63% | Beats 6% | 703 / 746 | ||
| Net Interest Margin | 2.50% | 3.17% | 3.68% | 4.16% | Beats 7% | 694 / 746 | ||
| Efficiency Ratio | 94.11% | 55.74% | 64.58% | 75.47% | Beats 5% | 709 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.34% | 0.09% | 0.42% | 1.07% | Beats 9% | 675 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 622 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.79% | 11.55% | 13.75% | 17.60% | Beats 17% | 621 / 746 | ||
| Total Risk-Based Capital Ratio | 12.04% | 11.71% | 14.33% | 18.43% | Beats 29% | 533 / 746 | ||
| Equity / Assets | 7.11% | 8.90% | 10.51% | 13.06% | Beats 8% | 690 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.81% | 61.31% | 78.27% | 90.78% | 51st pctl | 364 / 746 | ||
| Loans / Assets | 65.79% | 53.60% | 66.97% | 76.08% | 47th pctl | 398 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||