Marlborough, MA · Cert 90235 · Main Street Group Bancshares MHC
SI · FDIC · 6 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #31 of 100 inst. · $1.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.49% | 0.71% | 0.66% | 0.70% | 0.63% | 0.53% | 0.63% | -3 bps | |
| Return on Equity | 4.79% | 5.47% | 7.41% | 6.94% | 7.16% | 6.38% | 4.86% | 5.73% | -121 bps | |
| Net Interest Margin | 2.49% | 2.47% | 2.52% | 2.60% | 2.60% | 2.73% | 2.85% | 2.81% | +21 bps | |
| Efficiency Ratio | 78.51% | 77.43% | 74.76% | 76.01% | 73.76% | 72.05% | 77.43% | 73.44% | -257 bps | |
| Non-Interest Burden | 2.01% | 1.95% | 1.91% | 2.00% | 1.93% | 1.99% | 2.24% | 2.03% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -6.56% | -2.22% | 3.91% | 1.86% | 3.53% | -0.96% | -1.37% | -528 bps | |
| Loan Growth (YoY) | -0.74% | -3.65% | -0.45% | -1.97% | -2.34% | -4.07% | -4.41% | -5.14% | -318 bps | |
| Deposit Growth (YoY) | -6.67% | -8.38% | -0.49% | 5.25% | 4.15% | 1.05% | -1.89% | -2.36% | -761 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.83% | 0.84% | 0.55% | 0.50% | 0.90% | 1.66% | 1.69% | +114 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | -0.05% | -0.02% | -2 bps | |
| Allowance / Loans | 0.97% | 0.94% | 0.87% | 0.84% | 0.77% | 0.92% | 0.92% | 0.90% | +5 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.1x | 1.0x | 1.5x | 1.6x | 1.0x | 0.6x | 0.5x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.61% | 10.63% | 11.07% | 11.44% | 11.80% | 12.06% | 12.04% | +97 bps | |
| Total Risk-Based Capital | 15.48% | 15.48% | 16.08% | 15.78% | 16.72% | 17.29% | 17.52% | 18.31% | +253 bps | |
| Equity / Assets | 9.41% | 9.46% | 9.66% | 9.47% | 10.52% | 10.63% | 11.17% | 11.03% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.44% | 103.51% | 97.80% | 92.70% | 97.93% | 98.26% | 95.29% | 90.06% | -264 bps | |
| Liquid Assets / Assets | 1.05% | 0.67% | 2.76% | 2.59% | 1.18% | 3.34% | 1.41% | 1.80% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 242% | 228% | n/a | n/a | |