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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35%1 | 0.30% | 1.30%1 | -0.07% | 0.22% | 1.16%1 | 1.19%1 | -3.71% | -363 bps | |
| Return on Equity | 13.77% | 3.02% | 12.69% | -0.70% | 2.25% | 11.61% | 11.42% | -35.78% | -3,508 bps | |
| Net Interest Margin | 1.98% | 2.18% | 2.01% | 2.17% | 2.23% | 2.35% | 2.46% | 2.50% | +33 bps | |
| Efficiency Ratio | 90.96% | 89.18% | 89.34% | 88.36% | 90.51% | 82.39% | 80.94% | 322% | +23,398 bps | |
| Non-Interest Burden | 1.74% | 1.87% | 1.72% | 1.84% | 1.96% | 1.83% | 1.88% | 9.36% | +752 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.45% | 5.36% | 8.53% | 2.69% | 6.80% | 8.61% | 5.09% | 5.79% | +309 bps | |
| Loan Growth (YoY) | 8.64% | 5.33% | 2.35% | 5.57% | 4.95% | 5.09% | 6.69% | 1.00% | -457 bps | |
| Deposit Growth (YoY) | 1.66% | -0.88% | 3.61% | 4.21% | 7.54% | 9.25% | 5.52% | 6.44% | +224 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.10% | 0.10% | 0.09% | 0.13% | 0.89% | 0.88% | 0.72% | +63 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.03% | 0.00% | 0.03% | 0.02% | 0.04% | 0.05% | +4 bps | |
| Allowance / Loans | 1.23% | 1.16% | 1.14% | 1.09% | 1.07% | 1.05% | 1.04% | 1.04% | -4 bps | |
| Allowance Coverage of NPLs | 6.8x | 11.9x | 11.0x | 11.7x | 8.2x | 1.2x | 1.2x | 1.4x | -10.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.18% | 12.19% | 12.19% | 12.10% | 12.01% | 12.03% | 12.19% | 11.27% | -83 bps | |
| Total Risk-Based Capital | 17.81% | 17.61% | 17.93% | 17.18% | 17.21% | 17.22% | 17.34% | 20.45% | +328 bps | |
| Equity / Assets | 9.75% | 9.89% | 10.61% | 10.07% | 9.89% | 10.14% | 10.75% | 9.96% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.00% | 80.67% | 77.89% | 82.08% | 79.05% | 77.60% | 78.76% | 77.88% | -420 bps | |
| Liquid Assets / Assets | 2.88% | 2.19% | 5.19% | 1.82% | 5.91% | 5.78% | 5.45% | 10.27% | +845 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 120.95% | 132.17% | n/a | |