Cambridge, MA · Cert 90173 · 1854 Bcorp
State charter, Fed member · FED · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
27
Asset Quality
71
Profitability
13
Liquidity
94
Efficiency
15
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.
Cambridge, MA · Cert 90173 · 1854 Bcorp
State charter, Fed member · FED · 12 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #26 of 100 inst. · $1.3B of $580.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.16% | 0.31% | 0.30% | 0.32% | 0.35% | 0.32% | 0.38% | +8 bps | |
| Return on Equity | 1.64% | 1.78% | 3.53% | 3.32% | 3.55% | 3.81% | 3.48% | 4.02% | +71 bps | |
| Net Interest Margin | 2.01% | 1.99% | 2.19% | 2.25% | 2.29% | 2.27% | 2.39% | 2.50% | +26 bps | |
| Efficiency Ratio | 92.49% | 90.54% | 82.59% | 83.45% | 83.03% | 82.66% | 85.57% | 81.42% | -203 bps | |
| Non-Interest Burden | 1.84% | 1.77% | 1.76% | 1.83% | 1.85% | 1.82% | 2.00% | 1.97% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.83% | 2.13% | 1.72% | 0.43% | 0.52% | -0.16% | 2.83% | 3.50% | +307 bps | |
| Loan Growth (YoY) | -0.66% | -2.15% | -1.58% | -3.92% | -2.90% | -0.90% | -1.86% | 4.05% | +797 bps | |
| Deposit Growth (YoY) | -6.77% | -0.43% | 0.45% | 1.06% | 1.23% | 0.94% | 3.29% | 4.72% | +366 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.43% | 0.19% | 0.19% | 0.14% | 0.13% | 0.14% | 0.20% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.56% | 0.59% | 0.60% | 0.61% | 0.61% | 0.59% | 0.59% | 0.59% | -3 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.4x | 3.2x | 3.2x | 4.3x | 4.5x | 4.1x | 2.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.24% | 9.32% | 9.50% | 9.58% | 9.53% | 9.54% | 9.69% | +19 bps | |
| Total Risk-Based Capital | 14.29% | 14.63% | 14.86% | 15.27% | 14.88% | 14.86% | 15.13% | 14.39% | -88 bps | |
| Equity / Assets | 8.87% | 8.78% | 9.05% | 9.23% | 9.30% | 9.36% | 9.26% | 9.39% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.66% | 100.57% | 100.60% | 100.84% | 100.39% | 98.74% | 95.58% | 100.19% | -65 bps | |
| Liquid Assets / Assets | 6.69% | 9.63% | 8.90% | 9.21% | 9.69% | 10.27% | 11.93% | 7.95% | -126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 299% | 298% | 295% | n/a | n/a | |
Cambridge, MA · Cert 90173 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · 1854 Bcorp
State charter, Fed member · FED · 12 branches
Q2 2026
Return on Assets
0.37%
Rank 25 of 27
Net Interest Margin
2.50%
Rank 20 of 27
Efficiency Ratio
81.93%
Rank 24 of 27
Equity / Assets
9.39%
Rank 22 of 27
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.48% | 0.78% | 0.99% | Beats 7% | 25 / 27 | ||
| Return on Equity | 3.99% | 5.50% | 7.06% | 8.20% | Beats 7% | 25 / 27 | ||
| Net Interest Margin | 2.50% | 2.49% | 2.70% | 3.34% | Beats 26% | 20 / 27 | ||
| Efficiency Ratio | 81.93% | 59.27% | 68.19% | 75.85% | Beats 15% | 24 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.58% | 1.15% | Beats 78% | 7 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 11 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.68% | 13.21% | 14.69% | 16.81% | Beats 33% | 18 / 27 | ||
| Total Risk-Based Capital Ratio | 14.39% | 13.71% | 15.43% | 18.07% | Beats 30% | 19 / 27 | ||
| Equity / Assets | 9.39% | 9.62% | 11.14% | 13.14% | Beats 19% | 22 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.19% | 91.42% | 101.19% | 107.11% | 44th pctl | 15 / 27 | ||
| Loans / Assets | 80.62% | 75.31% | 80.56% | 83.39% | 52nd pctl | 13 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||