Canton, MA · Cert 90175 · Ponkapoag Bcorp MHC
SI · FDIC · 5 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #47 of 100 inst. · $0.7B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.81% | 0.85% | 0.13% | 0.51% | -25 bps | |
| Return on Equity | 5.32% | 5.68% | 5.87% | 0.92% | 3.56% | -176 bps | |
| Net Interest Margin | 3.57% | 3.52% | 3.52% | 3.43% | 3.34% | -22 bps | |
| Efficiency Ratio | 76.49% | 74.71% | 74.21% | 75.80% | 73.92% | -257 bps | |
| Non-Interest Burden | 2.57% | 2.47% | 2.44% | 2.43% | 2.29% | -28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.36% | 4.80% | 3.70% | 6.66% | 3.61% | +497 bps | |
| Loan Growth (YoY) | -3.70% | 0.68% | 3.20% | 3.42% | 2.59% | +629 bps | |
| Deposit Growth (YoY) | -2.66% | 5.50% | 3.93% | 7.82% | 3.84% | +650 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.01% | 1.20% | 0.90% | +85 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.96% | 1.27% | 1.26% | +27 bps | |
| Allowance Coverage of NPLs | 22.8x | 36.9x | 101.0x | 1.1x | 1.4x | -21.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.79% | 14.59% | 14.73% | 14.68% | 14.43% | -36 bps | |
| Total Risk-Based Capital | 24.14% | 23.77% | 23.53% | 23.79% | 24.24% | +10 bps | |
| Equity / Assets | 14.29% | 14.14% | 14.71% | 14.03% | 14.59% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.35% | 80.39% | 84.68% | 80.02% | 81.36% | -99 bps | |
| Liquid Assets / Assets | 9.89% | 11.52% | 7.89% | 10.81% | 7.30% | -258 bps | |
| CRE / Total Capital | n/a | 258% | 257% | 246% | n/a | n/a | |