Swansea, MA · Cert 90196 · Narragansett Financial Corp.
SI · FDIC · 25 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
26
Profitability
16
Liquidity
72
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Swansea, MA · Cert 90196 · Narragansett Financial Corp.
SI · FDIC · 25 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 3.9% share · #8 of 22 inst. · $2.4B of $61.9B
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 | 0.41% | 0.38% | 0.20% | 0.37% | 0.40% | 0.46% | 0.36% | 0.51% | +14 bps | |
| Return on Equity | 4.91% | 4.58% | 2.33% | 4.33% | 4.58% | 5.25% | 3.96% | 5.65% | +131 bps | |
| Net Interest Margin | 2.43% | 2.49% | 2.65% | 2.73% | 2.82% | 2.92% | 3.05% | 3.17% | +44 bps | |
| Efficiency Ratio | 81.59% | 82.45% | 88.11% | 83.92% | 83.84% | 83.67% | 86.25% | 84.34% | +42 bps | |
| Non-Interest Burden | 1.68% | 1.77% | 2.15% | 2.00% | 2.07% | 2.15% | 2.39% | 2.37% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 1.45% | 1.02% | 0.49% | -3.75% | -2.54% | -2.45% | -3.64% | -413 bps | |
| Loan Growth (YoY) | 0.68% | -2.06% | -3.50% | -2.42% | -4.74% | -3.49% | -2.10% | -4.43% | -201 bps | |
| Deposit Growth (YoY) | 1.05% | -0.78% | 0.15% | 2.70% | 2.28% | 4.03% | 2.59% | 0.46% | -224 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.23% | 0.26% | 0.28% | 0.28% | 1.21% | 1.54% | 1.45% | +118 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.03% | 0.02% | 0.04% | 0.18% | 0.19% | 0.12% | +10 bps | |
| Allowance / Loans | 0.98% | 1.05% | 1.13% | 1.17% | 1.24% | 1.16% | 1.18% | 1.21% | +4 bps | |
| Allowance Coverage of NPLs | 6.1x | 4.6x | 4.4x | 4.2x | 4.4x | 1.0x | 0.8x | 0.8x | -3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.08% | 8.14% | 8.11% | 8.08% | 8.09% | 8.18% | 8.22% | 8.29% | +21 bps | |
| Total Risk-Based Capital | 11.55% | 11.76% | 11.94% | 11.74% | 11.91% | 11.92% | 11.94% | 12.02% | +28 bps | |
| Equity / Assets | 8.35% | 8.64% | 8.59% | 8.57% | 8.88% | 9.09% | 8.95% | 9.00% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.06% | 100.80% | 96.05% | 96.42% | 93.19% | 93.51% | 91.66% | 91.73% | -470 bps | |
| Liquid Assets / Assets | 3.06% | 1.86% | 3.96% | 2.70% | 1.26% | 0.58% | 2.14% | 1.12% | -157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 530% | 530% | 534% | n/a | n/a | |
Swansea, MA · Cert 90196 · Peer group: banks $1B-$10B in assets (n=322-328) · Narragansett Financial Corp.
SI · FDIC · 25 branches
Q2 2026
Return on Assets
0.51%
Rank 307 of 328
Net Interest Margin
3.17%
Rank 223 of 328
Efficiency Ratio
84.79%
Rank 320 of 328
Equity / Assets
9.00%
Rank 254 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.91% | 1.22% | 1.52% | Beats 6% | 307 / 328 | ||
| Return on Equity | 5.66% | 8.43% | 11.45% | 14.43% | Beats 10% | 296 / 328 | ||
| Net Interest Margin | 3.17% | 3.03% | 3.45% | 3.83% | Beats 32% | 223 / 328 | ||
| Efficiency Ratio | 84.79% | 51.61% | 59.56% | 67.53% | Beats 3% | 320 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.45% | 0.24% | 0.51% | 1.03% | Beats 16% | 272 / 322 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 210 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.77% | 11.75% | 13.15% | 15.47% | Beats 11% | 292 / 328 | ||
| Total Risk-Based Capital Ratio | 12.02% | 12.63% | 14.15% | 16.46% | Beats 18% | 268 / 328 | ||
| Equity / Assets | 9.00% | 9.15% | 10.33% | 12.01% | Beats 23% | 254 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.73% | 76.63% | 87.92% | 95.36% | 64th pctl | 115 / 323 | ||
| Loans / Assets | 78.94% | 65.18% | 74.15% | 79.98% | 70th pctl | 99 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||