Martha's Vineyard Bank
Edgartown, MA · Cert 90190 · Peer group: banks $1B-$10B in assets (n=322-328) · Vineyard Bcorp MHC
State charter, Fed member · FED · 10 branches
Q2 2026
$1.3BAssets
$1.1BLoans
$1.1BDeposits
$147.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets (rank 32 of 322).
- Widest gap: return on equity trails 90% of banks $1B-$10B in assets (rank 294 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.64%
Rank 292 of 328
Net Interest Margin
2.90%
Rank 266 of 328
Efficiency Ratio
75.21%
Rank 293 of 328
Equity / Assets
11.09%
Rank 125 of 328
Non-interest income vs. expense
Unfavorable gap of $27.0M · efficiency ratio beats 11% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.91% | 1.22% | 1.52% | Beats 11% | 292 / 328 | |
| Return on Equity | 5.79% | 8.43% | 11.45% | 14.43% | Beats 10% | 294 / 328 | |
| Net Interest Margin | 2.90% | 3.03% | 3.45% | 3.83% | Beats 19% | 266 / 328 | |
| Efficiency Ratio | 75.21% | 51.61% | 59.56% | 67.53% | Beats 11% | 293 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.24% | 0.51% | 1.03% | Beats 89% | 38 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 90% | 32 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.75% | 11.75% | 13.15% | 15.47% | Beats 25% | 246 / 328 | |
| Total Risk-Based Capital Ratio | 11.75% | 12.63% | 14.15% | 16.46% | Beats 16% | 275 / 328 | |
| Equity / Assets | 11.09% | 9.15% | 10.33% | 12.01% | Beats 62% | 125 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 105.55% | 76.63% | 87.92% | 95.36% | 93rd pctl | 23 / 323 | |
| Loans / Assets | 84.89% | 65.18% | 74.15% | 79.98% | 91st pctl | 31 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |