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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | 0.38% | 0.41% | 0.43% | -0.25% | +12 bps | |
| Return on Equity | -4.80% | 5.16% | 5.42% | 5.73% | -3.43% | +137 bps | |
| Net Interest Margin | 3.04% | 3.95% | 2.90% | 2.76% | 2.43% | -60 bps | |
| Efficiency Ratio | 89.37% | 72.39% | 83.86% | 90.15% | 98.27% | +890 bps | |
| Non-Interest Burden | 2.69% | 2.81% | 2.40% | 2.47% | 2.39% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.28% | 5.94% | 4.27% | 11.83% | 13.10% | +1,338 bps | |
| Loan Growth (YoY) | 9.34% | 3.00% | 3.00% | 0.12% | -3.74% | -1,308 bps | |
| Deposit Growth (YoY) | -3.59% | 2.80% | 1.08% | 14.01% | 15.79% | +1,939 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.53% | 3.32% | 3.08% | 2.69% | 2.34% | -118 bps | |
| Net Charge-Offs / Loans | 2.62% | 0.10% | 2.14% | 0.11% | -0.46% | -308 bps | |
| Allowance / Loans | 2.23% | 2.43% | 1.84% | 1.73% | 2.05% | -19 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.6x | 0.6x | 0.9x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.30% | 8.23% | 8.29% | 8.09% | 7.45% | -85 bps | |
| Total Risk-Based Capital | 11.36% | 11.59% | 11.68% | 11.97% | 12.04% | +69 bps | |
| Equity / Assets | 7.60% | 7.20% | 7.96% | 7.21% | 7.11% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.80% | 86.66% | 95.42% | 81.35% | 78.81% | -1,599 bps | |
| Liquid Assets / Assets | 9.99% | 17.66% | 11.00% | 22.66% | 24.19% | +1,420 bps | |
| CRE / Total Capital | n/a | 545% | 551% | 542% | n/a | n/a | |