PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Watertown Municipal

Watertown, MA · Charter 67615

NCUA · 1 branch

Q2 2026

$9.7MAssets
$3.1MLoans
$6.0MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.82%, down 19 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 36.86%, up 257 bps from a year ago.
  • Funding: loans stand at 52.05% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.82%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+29 bps YoY

Efficiency Ratio (quarter, annualized)

79.80%+485 bps YoY

Net Worth / Assets

36.86%+257 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.82%0.95%1.01%1.09%1.02%0.93%0.82%-19 bps
Return on Equity1.86%2.37%2.78%2.94%3.07%2.82%2.59%2.22%-72 bps
Net Interest Margin3.54%3.58%3.71%3.66%3.84%3.91%3.77%3.95%+29 bps
Efficiency Ratio81.59%76.86%74.02%74.94%73.37%74.17%80.28%79.80%+485 bps
Growth
Asset Growth (YoY)-3.87%0.73%-0.81%0.88%-0.61%-2.18%-1.73%-4.93%-582 bps
Loan Growth (YoY)2.49%-0.29%-1.89%-4.44%-6.55%-4.80%-10.51%-0.97%+347 bps
Share Growth (YoY)-6.43%-0.05%-2.54%-0.24%-2.77%-4.95%-4.18%-8.97%-874 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital34.30%34.50%34.38%34.29%35.56%36.17%35.86%36.86%+257 bps
Net Worth / Assets34.30%34.50%34.38%34.29%35.56%36.17%35.86%36.86%+257 bps
Liquidity & Funding
Loans / Shares51.48%52.09%49.77%47.84%49.48%52.18%46.48%52.05%+421 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps