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 | |