Lowell, MA · Cert 90229
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #63 of 100 inst. · $0.2B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.09% | 0.14% | 0.16% | 0.23% | +16 bps | |
| Return on Equity | 0.78% | 1.00% | 1.52% | 1.77% | 2.42% | +164 bps | |
| Net Interest Margin | 2.17% | 2.20% | 2.26% | 2.43% | 2.47% | +30 bps | |
| Efficiency Ratio | 95.98% | 94.91% | 92.73% | 92.67% | 90.15% | -583 bps | |
| Non-Interest Burden | 2.08% | 2.08% | 2.08% | 2.24% | 2.21% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.28% | 3.78% | 5.61% | 1.86% | 1.71% | -257 bps | |
| Loan Growth (YoY) | 4.07% | 3.64% | 2.28% | 0.35% | -0.90% | -496 bps | |
| Deposit Growth (YoY) | 1.00% | 1.03% | 4.55% | 6.10% | 7.66% | +666 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.38% | 0.32% | 0.34% | 0.29% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 0.65% | 0.64% | 0.65% | 0.65% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 2.0x | 1.9x | 2.2x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.65% | 9.62% | 9.65% | 9.58% | 9.65% | 0 bps | |
| Total Risk-Based Capital | 17.53% | 17.62% | 17.52% | 17.81% | 17.87% | +35 bps | |
| Equity / Assets | 9.20% | 9.32% | 9.16% | 9.39% | 9.70% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.17% | 102.62% | 99.80% | 97.94% | 94.97% | -820 bps | |
| Liquid Assets / Assets | 2.32% | 2.91% | 2.51% | 1.89% | 3.07% | +75 bps | |
| CRE / Total Capital | n/a | 262% | 258% | 261% | n/a | n/a | |