Athol, MA · Cert 90146
FDIC · 5 branches
Q4 2025
Market Position · Worcester, MA · 2025 SOD (annual) · 2.4% share · #14 of 28 inst. · $0.6B of $23.7B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72%1 | 0.22% | 0.70%1 | 0.87%1 | -0.29% | -100 bps | |
| Return on Equity | 7.14% | 2.25% | 7.01% | 8.53% | -2.81% | -995 bps | |
| Net Interest Margin | 2.04% | 2.23% | 2.26% | 2.31% | 2.36% | +31 bps | |
| Efficiency Ratio | 89.43% | 90.51% | 86.35% | 84.46% | 146.65% | +5,722 bps | |
| Non-Interest Burden | 1.76% | 1.96% | 1.87% | 1.86% | 3.73% | +197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 6.80% | 8.61% | 5.09% | 5.79% | +309 bps | |
| Loan Growth (YoY) | 5.57% | 4.95% | 5.09% | 6.69% | 1.00% | -457 bps | |
| Deposit Growth (YoY) | 4.21% | 7.54% | 9.25% | 5.52% | 6.44% | +224 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.13% | 0.89% | 0.88% | 0.72% | +63 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.03% | 0.03% | 0.04% | +1 bps | |
| Allowance / Loans | 1.09% | 1.07% | 1.05% | 1.04% | 1.04% | -4 bps | |
| Allowance Coverage of NPLs | 11.7x | 8.2x | 1.2x | 1.2x | 1.4x | -10.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.10% | 12.01% | 12.03% | 12.19% | 11.27% | -83 bps | |
| Total Risk-Based Capital | 17.18% | 17.21% | 17.22% | 17.34% | 20.45% | +328 bps | |
| Equity / Assets | 10.07% | 9.89% | 10.14% | 10.75% | 9.96% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.08% | 79.05% | 77.60% | 78.76% | 77.88% | -420 bps | |
| Liquid Assets / Assets | 1.82% | 5.91% | 5.78% | 5.45% | 10.27% | +845 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 120.95% | 132.17% | n/a | |