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Bluestone Bank

Raynham, MA · Cert 90169 · Bluestone Financial MHC

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bluestone Bank

Raynham, MA · Cert 90169 · Bluestone Financial MHC

State charter, Fed member · FED · 11 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.3BDeposits
$131.8MEquity
Loan mix
91%RE $1.1B7%C&I $0.1B2%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.1B13%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #40 of 100 inst. · $0.8B of $580.3B

3.7% Plymouth
3.0% Bristol
0.3% Norfolk

Executive Summary

  • Earnings: ROA of 0.30%, down 5 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 1.04% of loans (+96 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 9.52%, up 17 bps from a year ago.
  • Funding: loans stand at 90.56% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+9 bps YoY

Efficiency Ratio (YTD, annualized)

83.08%+13 bps YoY

Tier 1 Leverage Ratio

9.52%+17 bps YoY

NIM

4.34%Q2 ’244.48%Q2 ’254.40%Q2 ’26+6%+4%

Non-interest income vs. expense

2.06%Q2 ’242.21%Q2 ’252.24%Q2 ’26+4%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.30%0.23%0.35%0.38%0.43%0.10%0.30%-5 bps
Return on Equity4.33%4.16%3.17%4.82%5.14%5.68%1.23%3.75%-106 bps
Net Interest Margin2.05%1.99%2.03%2.16%2.25%2.29%2.23%2.25%+9 bps
Efficiency Ratio84.51%86.40%88.09%82.95%80.92%79.28%86.62%83.08%+13 bps
Non-Interest Burden1.67%1.66%1.73%1.71%1.72%1.71%1.87%1.79%+9 bps
Growth
Asset Growth (YoY)5.11%3.83%4.28%4.32%1.83%0.37%1.99%2.28%-203 bps
Loan Growth (YoY)3.71%3.43%4.56%5.67%6.23%5.34%3.56%-0.19%-586 bps
Deposit Growth (YoY)7.37%6.20%5.98%2.64%-5.52%-1.37%1.23%4.95%+232 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.05%0.11%0.08%0.13%0.10%0.67%1.04%+96 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.33%0.16%+17 bps
Allowance / Loans0.68%0.62%0.62%0.62%0.63%0.63%0.63%0.62%0 bps
Allowance Coverage of NPLs4.7x11.3x5.6x7.3x5.0x6.3x0.9x0.6x-6.8x
Capital
Tier 1 Leverage Ratio9.41%9.25%9.29%9.36%9.47%9.60%9.56%9.52%+17 bps
Total Risk-Based Capital14.13%13.87%9.29%9.36%9.47%9.60%13.46%14.00%+464 bps
Equity / Assets7.58%7.16%7.32%7.54%7.90%8.18%7.94%8.13%+59 bps
Liquidity & Funding
Loans / Deposits86.20%90.28%90.33%95.23%96.93%96.41%92.41%90.56%-466 bps
Liquid Assets / Assets3.17%3.93%4.26%2.06%1.32%1.53%4.90%5.86%+380 bps
CRE / Total Capitaln/an/an/an/a343%351%354%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bluestone Bank

Raynham, MA · Cert 90169 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Bluestone Financial MHC

State charter, Fed member · FED · 11 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.3BDeposits
$131.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 30% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 20 of 27).
  • Widest gap: return on assets trails 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 27).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.30%

Rank 27 of 27

Net Interest Margin

2.25%

Rank 25 of 27

Efficiency Ratio

83.08%

Rank 25 of 27

Equity / Assets

8.13%

Rank 26 of 27

Non-interest income vs. expense

$7.5M$37.3MINCOMEEXPENSE
Unfavorable gap of $29.8M · efficiency ratio beats 11% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 83.08%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.30%0.48%0.78%0.99%Beats 0%27 / 27
Return on Equity3.70%5.50%7.06%8.20%Beats 4%26 / 27
Net Interest Margin2.25%2.49%2.70%3.34%Beats 7%25 / 27
Efficiency Ratio83.08%59.27%68.19%75.85%Beats 11%25 / 27
Asset Quality
Nonperforming Loans / Loans1.04%0.20%0.58%1.15%Beats 30%20 / 27
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 15%24 / 27
Capital
Tier 1 Capital Ratio13.29%13.21%14.69%16.81%Beats 26%20 / 27
Total Risk-Based Capital Ratio14.00%13.71%15.43%18.07%Beats 26%20 / 27
Equity / Assets8.13%9.62%11.14%13.14%Beats 4%26 / 27
Liquidity & Funding
Loans / Deposits90.56%91.42%101.19%107.11%19th pctl22 / 27
Loans / Assets73.54%75.31%80.56%83.39%19th pctl22 / 27
Brokered Deposits / Depositsn/aNot reported for this institution