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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | 0.22% | 1.16%1 | 1.19%1 | -3.71% | -363 bps | |
| Return on Equity | -0.70% | 2.25% | 11.61% | 11.42% | -35.78% | -3,508 bps | |
| Net Interest Margin | 2.17% | 2.23% | 2.35% | 2.46% | 2.50% | +33 bps | |
| Efficiency Ratio | 88.36% | 90.51% | 82.39% | 80.94% | 322% | +23,398 bps | |
| Non-Interest Burden | 1.84% | 1.96% | 1.83% | 1.88% | 9.36% | +752 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 | 0.00% | 0.03% | 0.02% | 0.04% | 0.05% | +4 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 | |