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Bank of Canton, The

Canton, MA · Cert 90175 · Ponkapoag Bcorp MHC

SI · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

83

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

Bank of Canton, The

Canton, MA · Cert 90175 · Ponkapoag Bcorp MHC

SI · FDIC · 5 branches

Q2 2026

$782.5MAssets
$537.9MLoans
$661.1MDeposits
$114.1MEquity
Loan mix
99%RE $521.7M1%C&I $5.7M0%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $564.4M15%Noninterest $96.7MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #47 of 100 inst. · $0.7B of $580.3B

Executive Summary

  • Earnings: ROA of 0.51%, down 25 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.90% of loans (+85 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.43%, down 36 bps from a year ago.
  • Funding: loans stand at 81.36% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.51%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-22 bps YoY

Efficiency Ratio (YTD, annualized)

73.92%-257 bps YoY

Tier 1 Leverage Ratio

14.43%-36 bps YoY

NIM

4.84%Q2 ’244.86%Q2 ’254.69%Q2 ’26+1%-6%

Non-interest income vs. expense

2.99%Q2 ’243.25%Q2 ’252.98%Q2 ’26+7%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.93%0.77%0.77%0.81%0.85%0.13%0.51%-25 bps
Return on Equity7.16%6.89%5.34%5.32%5.68%5.87%0.92%3.56%-176 bps
Net Interest Margin3.71%3.74%3.59%3.57%3.52%3.52%3.43%3.34%-22 bps
Efficiency Ratio70.63%71.37%76.45%76.49%74.71%74.21%75.80%73.92%-257 bps
Non-Interest Burden2.44%2.49%2.59%2.57%2.47%2.44%2.43%2.29%-28 bps
Growth
Asset Growth (YoY)-5.78%-3.55%-3.12%-1.36%4.80%3.70%6.66%3.61%+497 bps
Loan Growth (YoY)-4.53%-3.19%-4.66%-3.70%0.68%3.20%3.42%2.59%+629 bps
Deposit Growth (YoY)-9.38%-6.42%-5.12%-2.66%5.50%3.93%7.82%3.84%+650 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.20%0.03%0.04%0.03%0.01%1.20%0.90%+85 bps
Net Charge-Offs / Loans0.18%0.13%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%0 bps
Allowance / Loans0.94%0.95%0.98%0.98%0.98%0.96%1.27%1.26%+27 bps
Allowance Coverage of NPLs4.7x4.7x29.4x22.8x36.9x101.0x1.1x1.4x-21.4x
Capital
Tier 1 Leverage Ratio14.20%14.61%14.81%14.79%14.59%14.73%14.68%14.43%-36 bps
Total Risk-Based Capital23.31%23.73%24.20%24.14%23.77%23.53%23.79%24.24%+10 bps
Equity / Assets14.27%14.42%14.48%14.29%14.14%14.71%14.03%14.59%+30 bps
Liquidity & Funding
Loans / Deposits84.24%85.29%83.43%82.35%80.39%84.68%80.02%81.36%-99 bps
Liquid Assets / Assets7.56%6.22%8.29%9.89%11.52%7.89%10.81%7.30%-258 bps
CRE / Total Capitaln/an/an/an/a258%257%246%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

Bank of Canton, The

Canton, MA · Cert 90175 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Ponkapoag Bcorp MHC

SI · FDIC · 5 branches

Q2 2026

$782.5MAssets
$537.9MLoans
$661.1MDeposits
$114.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 29).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 29).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

0.51%

Rank 7 of 29

Net Interest Margin

3.35%

Rank 4 of 29

Efficiency Ratio

73.92%

Rank 6 of 29

Equity / Assets

14.59%

Rank 4 of 29

Non-interest income vs. expense

$5.5M$23.9MINCOMEEXPENSE
Unfavorable gap of $18.5M · efficiency ratio beats 83% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 73.92%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.51%0.23%0.39%0.50%Beats 76%7 / 29
Return on Equity3.51%2.29%3.46%5.78%Beats 52%14 / 29
Net Interest Margin3.35%2.42%2.71%3.01%Beats 86%4 / 29
Efficiency Ratio73.92%78.96%84.14%93.09%Beats 83%6 / 29
Asset Quality
Nonperforming Loans / Loans0.90%0.03%0.13%0.43%Beats 10%27 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio22.99%11.54%13.48%16.99%Beats 90%3 / 29
Total Risk-Based Capital Ratio24.24%11.54%14.44%17.87%Beats 90%3 / 29
Equity / Assets14.59%8.70%9.70%11.05%Beats 86%4 / 29
Liquidity & Funding
Loans / Deposits81.36%84.22%92.17%95.56%18th pctl23 / 28
Loans / Assets68.74%69.12%73.70%81.02%21st pctl23 / 29
Brokered Deposits / Depositsn/aNot reported for this institution