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North Brookfield Savings Bank

North Brookfield, MA · Cert 90258 · Trunorth Bcorp MHC

State charter, Fed member · FED · 7 branches

Q2 2026

$448.7MAssets
$293.0MLoans
$383.2MDeposits
$40.8MEquity
Loan mix
90%RE $265.0M9%C&I $25.9M1%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $309.0M19%Noninterest $74.2MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.30%Q2 ’254.42%Q2 ’26+14%+9%

Non-interest income vs. expense

2.43%Q2 ’242.49%Q2 ’252.56%Q2 ’26+6%+3%

Market Position · Worcester, MA · 2026 SOD (annual) · 1.2% share · #21 of 26 inst. · $0.3B of $22.5B

1.2% Worcester
0.9% Hampshire
0.4% Hampden

Executive Summary

  • Earnings: ROA of 0.63%, up 16 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.29% of loans (+11 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.92%, up 28 bps from a year ago.
  • Funding: loans stand at 76.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.63%+16 bps YoY

Net Interest Margin (quarter, annualized)

2.85%+23 bps YoY

Efficiency Ratio (quarter, annualized)

76.31%-371 bps YoY

Tier 1 Leverage Ratio

10.92%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.47%0.62%0.49%0.63%+16 bps
Return on Equity5.47%5.31%6.92%5.33%6.87%+140 bps
Net Interest Margin2.62%2.75%2.75%2.75%2.85%+23 bps
Efficiency Ratio80.01%78.69%74.67%80.61%76.31%-371 bps
Non-Interest Burden2.00%2.06%1.92%2.12%2.06%+6 bps
Growth
Asset Growth (YoY)5.42%5.61%5.55%2.59%3.70%-172 bps
Loan Growth (YoY)3.53%6.38%6.07%3.43%2.16%-137 bps
Deposit Growth (YoY)4.37%2.65%1.16%-0.03%2.75%-162 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.14%0.15%0.22%0.29%+11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.03%+3 bps
Allowance / Loans0.62%0.64%0.65%0.67%0.66%+4 bps
Allowance Coverage of NPLs3.4x4.5x4.3x3.0x2.2x-1.2x
Capital
Tier 1 Leverage Ratio10.64%10.65%10.73%10.84%10.92%+28 bps
Total Risk-Based Capital10.64%10.65%10.73%10.84%10.92%+28 bps
Equity / Assets8.71%8.88%9.06%9.17%9.10%+39 bps
Liquidity & Funding
Loans / Deposits76.91%80.56%79.69%78.53%76.47%-44 bps
Liquid Assets / Assets2.67%1.86%3.20%2.70%3.38%+71 bps
CRE / Total Capitaln/a193.89%192.29%189.40%n/an/a