Haverhill, MA · Cert 90208 · River Run Bcorp MHC
SI · FDIC · 2 affiliate banks · 6 branches (26 in holding)
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #36 of 100 inst. · $0.9B 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 | 0.39%1 | 0.32% | 0.04% | 0.28% | 0.35%1 | 0.35%1 | 0.37% | 0.74% | +46 bps | |
| Return on Equity | 3.92% | 3.22% | 0.39% | 2.77% | 3.46% | 3.47% | 3.57% | 7.04% | +427 bps | |
| Net Interest Margin | 2.17% | 2.17% | 2.22% | 2.30% | 2.34% | 2.37% | 2.52% | 2.57% | +27 bps | |
| Efficiency Ratio | 91.64% | 90.76% | 95.29% | 91.80% | 90.10% | 89.68% | 89.39% | 84.38% | -743 bps | |
| Non-Interest Burden | 1.96% | 1.94% | 2.11% | 2.09% | 2.09% | 2.09% | 2.22% | 2.12% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.94% | 5.82% | 4.61% | 1.85% | 2.52% | 3.43% | 2.96% | 3.42% | +158 bps | |
| Loan Growth (YoY) | 11.44% | 7.12% | 4.98% | 1.61% | 3.76% | 3.66% | 3.86% | 3.79% | +218 bps | |
| Deposit Growth (YoY) | 0.26% | 1.94% | 6.63% | 9.07% | 4.83% | 4.97% | 2.47% | 2.17% | -690 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.73% | 0.88% | 0.77% | 0.70% | 0.71% | 0.74% | 0.79% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 0.88% | 0.90% | 0.92% | 0.93% | 1.01% | 1.05% | 1.04% | 1.04% | +12 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.0x | 1.2x | 1.5x | 1.5x | 1.4x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.40% | 11.34% | 11.31% | 11.34% | 11.37% | 11.29% | 11.44% | 11.67% | +33 bps | |
| Total Risk-Based Capital | 11.40% | 11.34% | 11.31% | 11.34% | 11.37% | 11.29% | 11.44% | 11.67% | +33 bps | |
| Equity / Assets | 10.04% | 9.90% | 10.01% | 10.12% | 10.14% | 10.37% | 10.50% | 10.69% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.16% | 103.34% | 100.93% | 100.89% | 102.11% | 102.05% | 102.29% | 102.49% | +160 bps | |
| Liquid Assets / Assets | 2.14% | 1.31% | 1.64% | 1.34% | 1.19% | 1.13% | 0.70% | 0.71% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 329% | 329% | 321% | n/a | n/a | |