Greenfield, MA · Cert 90206 · GSB MHC
SI · FDIC · 9 branches
Q2 2026
Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 4.6% share · #7 of 15 inst. · $0.3B of $6.6B
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 | 0.31% | 0.29% | 0.43% | 0.52% | 0.52% | 0.51% | 0.58% | 0.59% | +7 bps | |
| Return on Equity | 3.00% | 2.78% | 4.33% | 5.32% | 5.38% | 5.28% | 6.23% | 6.31% | +99 bps | |
| Net Interest Margin | 2.48% | 2.50% | 2.73% | 2.73% | 2.67% | 2.63% | 2.88% | 2.87% | +15 bps | |
| Efficiency Ratio | 89.21% | 88.75% | 82.00% | 78.44% | 77.95% | 78.08% | 77.01% | 76.51% | -193 bps | |
| Non-Interest Burden | 2.14% | 2.14% | 2.14% | 1.99% | 1.94% | 1.92% | 2.08% | 2.05% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | 6.74% | 11.96% | 13.20% | 19.25% | 18.97% | 15.28% | 14.70% | +150 bps | |
| Loan Growth (YoY) | 11.85% | 11.48% | 11.55% | 14.78% | 17.57% | 20.24% | 20.28% | 19.42% | +464 bps | |
| Deposit Growth (YoY) | 0.87% | 2.25% | 11.18% | 10.20% | 14.59% | 10.50% | 10.09% | 9.55% | -64 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.36% | 0.35% | 0.33% | 0.36% | 0.37% | 0.39% | 0.42% | +9 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.83% | 0.81% | 0.81% | 0.79% | 0.76% | 0.77% | 0.78% | 0.77% | -1 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.3x | 2.3x | 2.4x | 2.1x | 2.1x | 2.0x | 1.9x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.70% | 11.54% | 11.29% | 11.02% | 10.62% | 10.27% | 10.18% | 10.13% | -90 bps | |
| Total Risk-Based Capital | 19.88% | 19.34% | 18.89% | 18.22% | 17.25% | 16.62% | 16.99% | 15.48% | -274 bps | |
| Equity / Assets | 10.50% | 9.95% | 9.72% | 9.64% | 9.41% | 9.36% | 9.21% | 9.25% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.40% | 95.94% | 89.51% | 92.37% | 95.82% | 104.40% | 97.79% | 100.68% | +832 bps | |
| Liquid Assets / Assets | 0.00% | 1.65% | 2.97% | 0.17% | 1.99% | 1.16% | 1.86% | 0.51% | +34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 234% | 265% | 271% | n/a | n/a | |