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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.10% | 0.83% | -0.53% | -0.37% | 0.38% | 0.41% | 0.43% | -0.25% | +12 bps | |
| Return on Equity | -14.36% | 10.59% | -6.67% | -4.80% | 5.16% | 5.42% | 5.73% | -3.43% | +137 bps | |
| Net Interest Margin | 2.54% | 2.50% | 2.54% | 3.04% | 3.95% | 2.90% | 2.76% | 2.43% | -60 bps | |
| Efficiency Ratio | 86.07% | 100.31% | 100.39% | 89.37% | 72.39% | 83.86% | 90.15% | 98.27% | +890 bps | |
| Non-Interest Burden | 2.16% | 2.51% | 2.55% | 2.69% | 2.81% | 2.40% | 2.47% | 2.39% | -30 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 | 0.02% | 0.22% | -0.01% | 2.62% | 0.10% | 2.14% | 0.11% | -0.46% | -308 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 | |