Edgartown, MA · Cert 90190 · Vineyard Bcorp MHC
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Barnstable Town, MA · 2026 SOD (annual) · 1.1% share · #10 of 11 inst. · $0.1B of $11.8B
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 | 0.30% | 0.27% | 0.52% | 0.52% | 0.59% | 0.66% | 0.65% | 0.65% | +13 bps | |
| Return on Equity | 2.97% | 2.75% | 5.00% | 5.05% | 5.65% | 6.22% | 5.83% | 5.89% | +84 bps | |
| Net Interest Margin | 2.11% | 2.22% | 2.44% | 2.47% | 2.60% | 2.69% | 2.91% | 2.90% | +43 bps | |
| Efficiency Ratio | 86.60% | 86.18% | 77.65% | 76.70% | 74.96% | 74.58% | 75.89% | 75.21% | -148 bps | |
| Non-Interest Burden | 1.75% | 1.84% | 1.78% | 1.78% | 1.81% | 1.87% | 2.08% | 2.04% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.99% | -1.74% | -2.69% | -1.82% | -1.35% | -1.88% | 0.47% | 1.03% | +286 bps | |
| Loan Growth (YoY) | -2.94% | -2.91% | -3.01% | -2.18% | -0.69% | -1.63% | -0.71% | -0.45% | +173 bps | |
| Deposit Growth (YoY) | -2.09% | -2.60% | -2.32% | 3.35% | 5.38% | 0.65% | 1.36% | 0.97% | -238 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.04% | 0.54% | 0.07% | 0.07% | 0.09% | +4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.78% | 0.78% | 0.77% | 0.78% | 0.78% | 0.79% | 0.79% | 0.79% | +1 bps | |
| Allowance Coverage of NPLs | 117.8x | 81.8x | 95.8x | 18.1x | 1.5x | 11.5x | 11.7x | 9.2x | -8.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.00% | 11.17% | 11.33% | 11.28% | 11.55% | 11.55% | 11.86% | 11.75% | +47 bps | |
| Total Risk-Based Capital | 11.00% | 11.17% | 11.33% | 11.28% | 11.55% | 11.55% | 11.86% | 11.75% | +47 bps | |
| Equity / Assets | 10.33% | 10.11% | 10.52% | 10.49% | 10.90% | 11.07% | 11.16% | 11.09% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.50% | 110.27% | 109.41% | 107.05% | 102.25% | 107.78% | 107.17% | 105.55% | -150 bps | |
| Liquid Assets / Assets | 1.07% | 1.04% | 0.87% | 1.30% | 0.48% | 0.14% | 0.76% | 1.06% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 192.72% | 186.82% | 187.88% | n/a | n/a | |