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Monson Savings Bank

Monson, MA · Cert 90245 · Monson Financial Services MHC

SI · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monson Savings Bank

Monson, MA · Cert 90245 · Monson Financial Services MHC

SI · FDIC · 5 branches

Q2 2026

$806.3MAssets
$638.0MLoans
$721.9MDeposits
$75.7MEquity
Loan mix
93%RE $593.2M6%C&I $40.4M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $579.2M20%Noninterest $142.7MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.66%Q2 ’254.78%Q2 ’26+9%+6%

Non-interest income vs. expense

2.48%Q2 ’242.49%Q2 ’252.45%Q2 ’26+4%-1%

Market Position · Springfield, MA · 2026 SOD (annual) · 4.6% share · #9 of 18 inst. · $0.6B of $14.1B

4.6% Hampden
1.1% Hampshire

Executive Summary

  • Earnings: ROA of 0.99%, up 20 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.23% of loans (+10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.55%, down 3 bps from a year ago.
  • Funding: loans stand at 88.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+19 bps YoY

Efficiency Ratio (YTD, annualized)

66.43%-429 bps YoY

Tier 1 Leverage Ratio

9.55%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.84%0.85%0.93%0.99%+20 bps
Return on Equity8.93%9.36%9.39%10.14%10.68%+175 bps
Net Interest Margin3.00%3.08%3.13%3.23%3.19%+19 bps
Efficiency Ratio70.71%68.93%67.86%67.40%66.43%-429 bps
Non-Interest Burden1.97%1.96%1.95%2.02%1.95%-2 bps
Growth
Asset Growth (YoY)4.80%3.63%5.27%9.78%7.66%+285 bps
Loan Growth (YoY)6.09%7.42%11.72%11.46%7.28%+119 bps
Deposit Growth (YoY)4.81%3.35%1.80%9.77%6.86%+205 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.08%0.10%0.23%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0 bps
Allowance / Loans0.68%0.69%0.68%0.67%0.67%-1 bps
Allowance Coverage of NPLs5.3x7.3x8.8x6.9x2.9x-2.4x
Capital
Tier 1 Leverage Ratio9.57%9.78%9.93%9.79%9.55%-3 bps
Total Risk-Based Capital9.57%9.78%9.93%9.79%9.55%-3 bps
Equity / Assets8.87%9.29%9.51%8.94%9.39%+52 bps
Liquidity & Funding
Loans / Deposits88.04%90.50%96.20%86.89%88.38%+34 bps
Liquid Assets / Assets7.87%5.79%3.94%10.12%8.96%+110 bps
CRE / Total Capitaln/a357%368%363%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Monson Savings Bank

Monson, MA · Cert 90245 · Peer group: banks under $1B in assets (n=581-629) · Monson Financial Services MHC

SI · FDIC · 5 branches

Q2 2026

$806.3MAssets
$638.0MLoans
$721.9MDeposits
$75.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets (rank 216 of 581).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 589 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.97%

Rank 336 of 629

Net Interest Margin

3.19%

Rank 432 of 629

Efficiency Ratio

66.43%

Rank 283 of 629

Equity / Assets

9.39%

Rank 440 of 629

Non-interest income vs. expense

$4.2M$20.3MINCOMEEXPENSE
Unfavorable gap of $16.1M · efficiency ratio beats 55% of banks under $1B in assets
Bank 66.43%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.60%1.01%1.45%Beats 47%336 / 629
Return on Equity10.35%5.38%9.30%13.28%Beats 55%281 / 629
Net Interest Margin3.19%3.03%3.54%4.05%Beats 31%432 / 629
Efficiency Ratio66.43%58.35%67.79%79.08%Beats 55%283 / 629
Asset Quality
Nonperforming Loans / Loans0.23%0.09%0.46%1.20%Beats 63%216 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 63%219 / 581
Capital
Tier 1 Capital Ratio9.55%11.24%13.84%18.77%Beats 7%587 / 629
Total Risk-Based Capital Ratio9.55%11.58%14.43%19.66%Beats 6%589 / 629
Equity / Assets9.39%9.09%10.65%13.80%Beats 30%440 / 629
Liquidity & Funding
Loans / Deposits88.38%67.24%80.90%93.48%66th pctl204 / 594
Loans / Assets79.12%53.31%67.71%78.15%79th pctl132 / 629
Brokered Deposits / Depositsn/aNot reported for this institution