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 | |