North Brookfield, MA · Cert 90258 · Trunorth Bcorp MHC
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
21
Asset Quality
55
Profitability
22
Liquidity
87
Efficiency
26
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.
North Brookfield, MA · Cert 90258 · Trunorth Bcorp MHC
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 1.2% share · #21 of 26 inst. · $0.3B of $22.5B
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 | 0.23% | 0.29% | 0.32% | 0.40% | 0.42% | 0.47% | 0.49% | 0.56% | +16 bps | |
| Return on Equity | 2.80% | 3.48% | 3.82% | 4.67% | 4.89% | 5.42% | 5.33% | 6.10% | +144 bps | |
| Net Interest Margin | 2.26% | 2.25% | 2.47% | 2.52% | 2.58% | 2.60% | 2.75% | 2.79% | +27 bps | |
| Efficiency Ratio | 88.15% | 85.92% | 85.59% | 82.75% | 81.33% | 79.59% | 80.61% | 78.42% | -433 bps | |
| Non-Interest Burden | 1.92% | 1.85% | 2.03% | 1.99% | 2.00% | 1.97% | 2.12% | 2.08% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | 2.51% | 3.86% | 5.42% | 5.61% | 5.55% | 2.59% | 3.70% | -172 bps | |
| Loan Growth (YoY) | 2.39% | 1.00% | 1.74% | 3.53% | 6.38% | 6.07% | 3.43% | 2.16% | -137 bps | |
| Deposit Growth (YoY) | 1.14% | 2.32% | 3.44% | 4.37% | 2.65% | 1.16% | -0.03% | 2.75% | -162 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.41% | 0.31% | 0.18% | 0.14% | 0.15% | 0.22% | 0.29% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.02% | 0.01% | 0.01% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 0.63% | 0.62% | 0.61% | 0.62% | 0.64% | 0.65% | 0.67% | 0.66% | +4 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.5x | 2.0x | 3.4x | 4.5x | 4.3x | 3.0x | 2.2x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.83% | 10.72% | 10.79% | 10.64% | 10.65% | 10.73% | 10.84% | 10.92% | +28 bps | |
| Total Risk-Based Capital | 10.83% | 10.72% | 10.79% | 10.64% | 10.65% | 10.73% | 10.84% | 10.92% | +28 bps | |
| Equity / Assets | 8.74% | 8.33% | 8.53% | 8.71% | 8.88% | 9.06% | 9.17% | 9.10% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.74% | 76.00% | 75.90% | 76.91% | 80.56% | 79.69% | 78.53% | 76.47% | -44 bps | |
| Liquid Assets / Assets | 1.80% | 2.17% | 2.53% | 2.67% | 1.86% | 3.20% | 2.70% | 3.38% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 193.89% | 192.29% | 189.40% | n/a | n/a | |
North Brookfield, MA · Cert 90258 · Peer group: banks under $1B in assets (n=581-629) · Trunorth Bcorp MHC
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
0.55%
Rank 491 of 629
Net Interest Margin
2.79%
Rank 528 of 629
Efficiency Ratio
78.42%
Rank 465 of 629
Equity / Assets
9.10%
Rank 471 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.60% | 1.01% | 1.45% | Beats 22% | 491 / 629 | ||
| Return on Equity | 6.04% | 5.38% | 9.30% | 13.28% | Beats 28% | 451 / 629 | ||
| Net Interest Margin | 2.79% | 3.03% | 3.54% | 4.05% | Beats 16% | 528 / 629 | ||
| Efficiency Ratio | 78.42% | 58.35% | 67.79% | 79.08% | Beats 26% | 465 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.46% | 1.20% | Beats 58% | 246 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 52% | 280 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.92% | 11.24% | 13.84% | 18.77% | Beats 21% | 497 / 629 | ||
| Total Risk-Based Capital Ratio | 10.92% | 11.58% | 14.43% | 19.66% | Beats 18% | 516 / 629 | ||
| Equity / Assets | 9.10% | 9.09% | 10.65% | 13.80% | Beats 25% | 471 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.47% | 67.24% | 80.90% | 93.48% | 43rd pctl | 339 / 594 | ||
| Loans / Assets | 65.31% | 53.31% | 67.71% | 78.15% | 45th pctl | 349 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||