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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.87% | 0.77% | 0.76% | 0.91% | 0.93% | 0.13% | 0.89% | +13 bps | |
| Return on Equity | 8.13% | 6.04% | 5.34% | 5.29% | 6.39% | 6.46% | 0.92% | 6.20% | +90 bps | |
| Net Interest Margin | 3.82% | 3.65% | 3.59% | 3.58% | 3.62% | 3.53% | 3.43% | 3.36% | -23 bps | |
| Efficiency Ratio | 66.52% | 73.66% | 76.45% | 76.52% | 71.27% | 72.71% | 75.80% | 72.05% | -447 bps | |
| Non-Interest Burden | 2.33% | 2.52% | 2.59% | 2.59% | 2.39% | 2.38% | 2.43% | 2.23% | -36 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 / Loans | 0.20% | 0.20% | 0.03% | 0.04% | 0.03% | 0.01% | 1.20% | 0.90% | +85 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.94% | 0.95% | 0.98% | 0.98% | 0.98% | 0.96% | 1.27% | 1.26% | +27 bps | |
| Allowance Coverage of NPLs | 4.7x | 4.7x | 29.4x | 22.8x | 36.9x | 101.0x | 1.1x | 1.4x | -21.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.20% | 14.61% | 14.81% | 14.79% | 14.59% | 14.73% | 14.68% | 14.43% | -36 bps | |
| Total Risk-Based Capital | 23.31% | 23.73% | 24.20% | 24.14% | 23.77% | 23.53% | 23.79% | 24.24% | +10 bps | |
| Equity / Assets | 14.27% | 14.42% | 14.48% | 14.29% | 14.14% | 14.71% | 14.03% | 14.59% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.24% | 85.29% | 83.43% | 82.35% | 80.39% | 84.68% | 80.02% | 81.36% | -99 bps | |
| Liquid Assets / Assets | 7.56% | 6.22% | 8.29% | 9.89% | 11.52% | 7.89% | 10.81% | 7.30% | -258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 257% | 246% | n/a | n/a | |