Raynham, MA · Cert 90169 · Bluestone Financial MHC
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #40 of 100 inst. · $0.8B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.45% | 0.58% | 0.10% | 0.50% | +3 bps | |
| Return on Equity | 6.40% | 5.79% | 7.20% | 1.23% | 6.26% | -14 bps | |
| Net Interest Margin | 2.30% | 2.42% | 2.44% | 2.23% | 2.31% | 0 bps | |
| Efficiency Ratio | 78.36% | 77.14% | 74.79% | 86.62% | 79.79% | +144 bps | |
| Non-Interest Burden | 1.69% | 1.76% | 1.69% | 1.87% | 1.74% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.32% | 1.83% | 0.37% | 1.99% | 2.28% | -203 bps | |
| Loan Growth (YoY) | 5.67% | 6.23% | 5.34% | 3.56% | -0.19% | -586 bps | |
| Deposit Growth (YoY) | 2.64% | -5.52% | -1.37% | 1.23% | 4.95% | +232 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.13% | 0.10% | 0.67% | 1.04% | +96 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.33% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.63% | 0.63% | 0.63% | 0.62% | 0 bps | |
| Allowance Coverage of NPLs | 7.3x | 5.0x | 6.3x | 0.9x | 0.6x | -6.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.36% | 9.47% | 9.60% | 9.56% | 9.52% | +17 bps | |
| Total Risk-Based Capital | 9.36% | 9.47% | 9.60% | 13.46% | 14.00% | +464 bps | |
| Equity / Assets | 7.54% | 7.90% | 8.18% | 7.94% | 8.13% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.23% | 96.93% | 96.41% | 92.41% | 90.56% | -466 bps | |
| Liquid Assets / Assets | 2.06% | 1.32% | 1.53% | 4.90% | 5.86% | +380 bps | |
| CRE / Total Capital | n/a | 343% | 351% | 354% | n/a | n/a | |