Monson, MA · Cert 90245 · Monson Financial Services MHC
SI · FDIC · 5 branches
Q2 2026
Market Position · Springfield, MA · 2026 SOD (annual) · 4.6% share · #9 of 18 inst. · $0.6B of $14.1B
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 | 0.69% | 0.73% | 0.66% | 0.79% | 0.84% | 0.85% | 0.93% | 0.99% | +20 bps | |
| Return on Equity | 7.76% | 8.23% | 7.43% | 8.93% | 9.36% | 9.39% | 10.14% | 10.68% | +175 bps | |
| Net Interest Margin | 2.75% | 2.76% | 2.90% | 3.00% | 3.08% | 3.13% | 3.23% | 3.19% | +19 bps | |
| Efficiency Ratio | 74.39% | 73.15% | 74.58% | 70.71% | 68.93% | 67.86% | 67.40% | 66.43% | -429 bps | |
| Non-Interest Burden | 1.89% | 1.86% | 2.04% | 1.97% | 1.96% | 1.95% | 2.02% | 1.95% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.72% | 8.90% | 10.06% | 4.80% | 3.63% | 5.27% | 9.78% | 7.66% | +285 bps | |
| Loan Growth (YoY) | 5.08% | 3.02% | 4.09% | 6.09% | 7.42% | 11.72% | 11.46% | 7.28% | +119 bps | |
| Deposit Growth (YoY) | 12.19% | 10.66% | 10.35% | 4.81% | 3.35% | 1.80% | 9.77% | 6.86% | +205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.11% | 0.10% | 0.13% | 0.09% | 0.08% | 0.10% | 0.23% | +10 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.04% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.68% | 0.68% | 0.70% | 0.68% | 0.69% | 0.68% | 0.67% | 0.67% | -1 bps | |
| Allowance Coverage of NPLs | 5.3x | 6.4x | 6.8x | 5.3x | 7.3x | 8.8x | 6.9x | 2.9x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.42% | 9.49% | 9.57% | 9.78% | 9.93% | 9.79% | 9.55% | -3 bps | |
| Total Risk-Based Capital | 9.41% | 9.42% | 9.49% | 9.57% | 9.78% | 9.93% | 9.79% | 9.55% | -3 bps | |
| Equity / Assets | 8.87% | 8.96% | 8.83% | 8.87% | 9.29% | 9.51% | 8.94% | 9.39% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.07% | 87.65% | 85.56% | 88.04% | 90.50% | 96.20% | 86.89% | 88.38% | +34 bps | |
| Liquid Assets / Assets | 8.22% | 8.55% | 10.18% | 7.87% | 5.79% | 3.94% | 10.12% | 8.96% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | 368% | 363% | n/a | n/a | |