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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.46% | 0.32% | 0.47% | 0.47% | 0.62% | 0.49% | 0.63% | +16 bps | |
| Return on Equity | 2.98% | 5.36% | 3.82% | 5.47% | 5.31% | 6.92% | 5.33% | 6.87% | +140 bps | |
| Net Interest Margin | 2.35% | 2.39% | 2.47% | 2.62% | 2.75% | 2.75% | 2.75% | 2.85% | +23 bps | |
| Efficiency Ratio | 86.08% | 79.81% | 85.59% | 80.01% | 78.69% | 74.67% | 80.61% | 76.31% | -371 bps | |
| Non-Interest Burden | 1.95% | 1.77% | 2.03% | 2.00% | 2.06% | 1.92% | 2.12% | 2.06% | +6 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 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 | |