North Brookfield Savings Bank
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
$448.7MAssets
$293.0MLoans
$383.2MDeposits
$40.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 58% of banks under $1B in assets (rank 246 of 581).
- Widest gap: net interest margin trails 84% of banks under $1B in assets (rank 528 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 26% of banks under $1B in assets | 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 |