Marblehead, MA · Cert 90234
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #65 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 | 0.49% | 0.32% | 0.48% | 0.26% | 0.45% | 0.43% | 0.44% | 0.44% | +18 bps | |
| Return on Equity | 5.42% | 3.41% | 5.12% | 2.70% | 4.48% | 4.30% | 4.47% | 4.42% | +173 bps | |
| Net Interest Margin | 3.75% | 3.67% | 3.69% | 3.69% | 3.78% | 3.69% | 3.78% | 3.75% | +7 bps | |
| Efficiency Ratio | 83.68% | 88.29% | 85.76% | 88.08% | 85.70% | 86.66% | 87.18% | 85.38% | -270 bps | |
| Non-Interest Burden | 3.09% | 3.22% | 3.10% | 3.21% | 3.19% | 3.16% | 3.26% | 3.16% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | 0.16% | 5.08% | -3.63% | -0.87% | 2.31% | -2.53% | 2.16% | +579 bps | |
| Loan Growth (YoY) | 2.11% | 3.32% | 2.27% | 2.89% | 0.99% | -0.99% | 1.71% | -0.01% | -290 bps | |
| Deposit Growth (YoY) | -0.90% | -0.32% | 5.22% | -4.57% | -1.40% | 2.02% | -3.54% | 1.69% | +626 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.12% | 0.12% | 0.10% | 0.10% | 0.22% | 0.51% | 0.30% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.56% | 0.57% | 0.56% | 0.60% | 0.61% | 0.60% | 0.59% | 0.60% | 0 bps | |
| Allowance Coverage of NPLs | 5.1x | 4.8x | 4.7x | 5.8x | 5.9x | 2.8x | 1.1x | 2.0x | -3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.83% | 9.81% | 9.87% | 10.17% | 10.10% | 10.23% | 10.11% | +24 bps | |
| Total Risk-Based Capital | 17.39% | 16.99% | 17.32% | 17.08% | 17.49% | 17.54% | 17.80% | 17.81% | +72 bps | |
| Equity / Assets | 9.38% | 9.31% | 9.42% | 9.97% | 10.21% | 9.85% | 9.95% | 10.07% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.71% | 92.46% | 87.54% | 94.30% | 94.96% | 89.73% | 92.30% | 92.73% | -157 bps | |
| Liquid Assets / Assets | 6.03% | 5.91% | 10.85% | 5.08% | 5.05% | 10.40% | 7.98% | 7.43% | +235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.75% | 144.83% | 131.77% | n/a | n/a | |