Amesbury, MA · Cert 90141
FDIC · 7 branches
Q3 2025
Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.2% share · #37 of 107 inst. · $1.0B of $536.6B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.43% | 0.54% | 0.75% | 0.73% | +55 bps | |
| Return on Equity | 1.49% | 3.56% | 4.14% | 5.59% | 5.34% | +385 bps | |
| Net Interest Margin | 3.11% | 3.13% | 3.41% | 3.44% | 3.44% | +32 bps | |
| Efficiency Ratio | 87.14% | 81.88% | 80.38% | 75.34% | 76.19% | -1,095 bps | |
| Non-Interest Burden | 2.66% | 2.49% | 2.66% | 2.47% | 2.51% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.85% | -4.63% | -6.33% | -6.44% | -9.51% | -66 bps | |
| Loan Growth (YoY) | 5.30% | -1.20% | -1.79% | -4.05% | -9.74% | -1,504 bps | |
| Deposit Growth (YoY) | -13.30% | -1.61% | -10.88% | -0.50% | -4.31% | +899 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.64% | 1.57% | 2.36% | 2.62% | 2.71% | +7 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.10% | 0.00% | 0.00% | 0.00% | -21 bps | |
| Allowance / Loans | 1.56% | 1.59% | 1.59% | 1.58% | 1.61% | +5 bps | |
| Allowance Coverage of NPLs | 0.6x | 1.0x | 0.7x | 0.6x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.66% | 12.74% | 13.80% | 13.91% | 14.18% | +152 bps | |
| Total Risk-Based Capital | 13.87% | 12.74% | 13.80% | 13.91% | 14.18% | +31 bps | |
| Equity / Assets | 12.15% | 12.88% | 13.39% | 13.78% | 14.47% | +233 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.82% | 99.92% | 110.73% | 102.98% | 101.70% | -612 bps | |
| Liquid Assets / Assets | 6.62% | 8.89% | 6.66% | 6.96% | 7.34% | +72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | n/a | n/a |