Bankesb
Easthampton, MA · Cert 90188 · Peer group: banks $1B-$10B in assets (n=322-328) · Hometown Financial Group MHC
State charter, Fed member · FED · 2 affiliate banks · 11 branches (55 in holding)
Q2 2026
$2.0BAssets
$1.6BLoans
$1.8BDeposits
$195.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 45% of banks $1B-$10B in assets (rank 179 of 322).
- Widest gap: return on assets trails 93% of banks $1B-$10B in assets (rank 306 of 328).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.52%
Rank 306 of 328
Net Interest Margin
3.05%
Rank 244 of 328
Efficiency Ratio
69.60%
Rank 263 of 328
Equity / Assets
9.69%
Rank 203 of 328
Non-interest income vs. expense
Unfavorable gap of $39.6M · efficiency ratio beats 20% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.91% | 1.22% | 1.52% | Beats 7% | 306 / 328 | |
| Return on Equity | 5.39% | 8.43% | 11.45% | 14.43% | Beats 8% | 301 / 328 | |
| Net Interest Margin | 3.05% | 3.03% | 3.45% | 3.83% | Beats 26% | 244 / 328 | |
| Efficiency Ratio | 69.60% | 51.61% | 59.56% | 67.53% | Beats 20% | 263 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.24% | 0.51% | 1.03% | Beats 12% | 285 / 322 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 45% | 179 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.06% | 11.75% | 13.15% | 15.47% | Beats 31% | 226 / 328 | |
| Total Risk-Based Capital Ratio | 13.23% | 12.63% | 14.15% | 16.46% | Beats 35% | 213 / 328 | |
| Equity / Assets | 9.69% | 9.15% | 10.33% | 12.01% | Beats 38% | 203 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 91.18% | 76.63% | 87.92% | 95.36% | 61st pctl | 125 / 323 | |
| Loans / Assets | 79.54% | 65.18% | 74.15% | 79.98% | 73rd pctl | 87 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |