Gloucester, MA · Cert 90203
SI · FDIC · 4 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #41 of 100 inst. · $0.8B of $580.3B
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 | 1.16%1 | 0.68%1 | 0.92% | 1.11% | 1.36% | 1.09% | 1.22% | 1.72% | +60 bps | |
| Return on Equity | 5.98% | 3.50% | 4.65% | 5.60% | 6.81% | 5.46% | 6.06% | 8.52% | +292 bps | |
| Net Interest Margin | 1.69% | 1.73% | 2.14% | 2.23% | 2.23% | 2.31% | 2.64% | 2.64% | +40 bps | |
| Efficiency Ratio | 86.01% | 84.15% | 68.51% | 66.42% | 65.69% | 65.24% | 60.93% | 58.55% | -787 bps | |
| Non-Interest Burden | 1.41% | 1.40% | 1.31% | 1.31% | 1.30% | 1.34% | 1.41% | 1.32% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.31% | 3.99% | 0.76% | 2.65% | 2.64% | 4.71% | 7.68% | 7.24% | +460 bps | |
| Loan Growth (YoY) | 4.75% | 3.83% | 3.99% | 3.29% | 4.97% | 5.07% | 3.84% | 4.42% | +113 bps | |
| Deposit Growth (YoY) | 6.58% | 3.63% | -2.80% | -0.33% | 1.56% | 3.69% | 10.02% | 8.66% | +899 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.47% | 0.52% | 0.45% | 0.42% | 0.54% | 0.44% | 0.59% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.88% | 0.88% | 0.88% | 0.86% | 0.85% | 0.86% | 0.84% | -3 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.7x | 1.9x | 2.0x | 1.6x | 1.9x | 1.4x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.26% | 19.75% | 20.33% | 20.62% | 20.36% | 20.46% | 20.32% | 20.48% | -14 bps | |
| Total Risk-Based Capital | 27.88% | 27.82% | 27.60% | 27.89% | 27.97% | 27.98% | 28.46% | 28.20% | +32 bps | |
| Equity / Assets | 19.46% | 19.40% | 20.12% | 20.14% | 20.00% | 20.10% | 20.05% | 20.24% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.88% | 91.57% | 96.67% | 95.14% | 92.90% | 92.79% | 91.23% | 91.42% | -371 bps | |
| Liquid Assets / Assets | 5.72% | 4.65% | 4.64% | 5.13% | 5.13% | 4.65% | 6.32% | 4.69% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.18% | 75.82% | 77.67% | n/a | n/a | |