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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.03% | 0.03% | 0.11% | 0.13% | 0.28% | 0.16% | 0.29% | +18 bps | |
| Return on Equity | 0.00% | -0.37% | 0.37% | 1.19% | 1.41% | 3.06% | 1.77% | 3.08% | +189 bps | |
| Net Interest Margin | 2.04% | 2.10% | 2.18% | 2.23% | 2.27% | 2.47% | 2.43% | 2.52% | +29 bps | |
| Efficiency Ratio | 100.83% | 101.74% | 97.92% | 94.13% | 92.86% | 86.94% | 92.67% | 87.73% | -641 bps | |
| Non-Interest Burden | 2.04% | 2.13% | 2.11% | 2.09% | 2.10% | 2.11% | 2.24% | 2.18% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | 0.80% | 2.85% | 4.28% | 3.78% | 5.61% | 1.86% | 1.71% | -257 bps | |
| Loan Growth (YoY) | -1.12% | -0.06% | 2.70% | 4.07% | 3.64% | 2.28% | 0.35% | -0.90% | -496 bps | |
| Deposit Growth (YoY) | -4.13% | -0.88% | -0.48% | 1.00% | 1.03% | 4.55% | 6.10% | 7.66% | +666 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.34% | 0.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.68% | 0.66% | 0.65% | 0.65% | 0.65% | 0.64% | 0.65% | 0.65% | 0 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.0x | 2.0x | 1.7x | 1.7x | 2.0x | 1.9x | 2.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 10.02% | 9.91% | 9.65% | 9.62% | 9.65% | 9.58% | 9.65% | 0 bps | |
| Total Risk-Based Capital | 18.17% | 17.76% | 17.62% | 17.53% | 17.62% | 17.52% | 17.81% | 17.87% | +35 bps | |
| Equity / Assets | 9.49% | 9.22% | 9.22% | 9.20% | 9.32% | 9.16% | 9.39% | 9.70% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.03% | 102.01% | 103.56% | 103.17% | 102.62% | 99.80% | 97.94% | 94.97% | -820 bps | |
| Liquid Assets / Assets | 2.79% | 2.33% | 2.31% | 2.32% | 2.91% | 2.51% | 1.89% | 3.07% | +75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 262% | 258% | 261% | n/a | n/a | |