Clinton, MA · Cert 90181 · Clinton Financial Services MHC
SI · FDIC · 8 branches
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 2.6% share · #12 of 26 inst. · $0.6B of $22.5B
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 | -0.13% | -0.18% | -0.16% | 0.21% | -0.19% | -0.71% | 0.24% | 0.35%1 | +14 bps | |
| Return on Equity | -1.59% | -2.21% | -1.99% | 2.63% | -2.31% | -8.69% | 3.01% | 4.43% | +180 bps | |
| Net Interest Margin | 2.20% | 2.21% | 2.28% | 2.39% | 2.43% | 2.49% | 2.76% | 2.72% | +33 bps | |
| Efficiency Ratio | 97.27% | 96.93% | 104.77% | 93.98% | 91.90% | 93.58% | 90.04% | 93.16% | -82 bps | |
| Non-Interest Burden | 2.13% | 2.14% | 2.40% | 2.23% | 2.21% | 2.31% | 2.45% | 2.51% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.82% | 3.91% | 4.04% | -0.14% | -1.04% | 0.14% | -2.78% | 0.09% | +22 bps | |
| Loan Growth (YoY) | 5.07% | 3.70% | 3.23% | -1.24% | -1.30% | -1.21% | -3.52% | -2.51% | -127 bps | |
| Deposit Growth (YoY) | -0.57% | 3.75% | 2.73% | -0.19% | -4.55% | -5.56% | -2.38% | -1.62% | -143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.81% | 2.82% | 2.82% | 2.40% | 3.20% | 1.58% | 1.68% | 0.50% | -190 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.15% | 0.13% | 0.19% | 0.14% | 1.80% | 0.09% | 0.66% | +47 bps | |
| Allowance / Loans | 1.25% | 1.30% | 1.32% | 1.37% | 2.11% | 1.45% | 1.47% | 1.19% | -18 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.6x | 0.7x | 0.9x | 0.9x | 2.4x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 10.27% | 10.27% | 10.41% | 10.12% | 9.58% | 9.55% | 9.65% | -76 bps | |
| Total Risk-Based Capital | 16.01% | 16.03% | 15.94% | 16.12% | 15.70% | 15.16% | 15.00% | 14.84% | -127 bps | |
| Equity / Assets | 8.44% | 7.98% | 8.10% | 8.36% | 8.32% | 7.92% | 8.04% | 7.98% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.69% | 88.62% | 89.82% | 89.96% | 94.81% | 92.70% | 88.77% | 89.15% | -81 bps | |
| Liquid Assets / Assets | 2.01% | 1.63% | 1.68% | 0.76% | 0.83% | 0.53% | 0.55% | 1.21% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 279% | 280% | n/a | n/a | |