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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 $3.0MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $309.0M19%Noninterest $74.2MQ3 2024Q2 2026

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 0.56%, up 16 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.29% of loans (+11 bps YoY), with net charge-offs at 0.02%.
  • 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.

Return on Assets (YTD, annualized)

0.56%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+27 bps YoY

Efficiency Ratio (YTD, annualized)

78.42%-433 bps YoY

Tier 1 Leverage Ratio

10.92%+28 bps YoY

NIM

4.07%Q2 ’244.20%Q2 ’254.38%Q2 ’26+13%+11%

Non-interest income vs. expense

2.50%Q2 ’242.53%Q2 ’252.58%Q2 ’26+4%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.29%0.32%0.40%0.42%0.47%0.49%0.56%+16 bps
Return on Equity2.80%3.48%3.82%4.67%4.89%5.42%5.33%6.10%+144 bps
Net Interest Margin2.26%2.25%2.47%2.52%2.58%2.60%2.75%2.79%+27 bps
Efficiency Ratio88.15%85.92%85.59%82.75%81.33%79.59%80.61%78.42%-433 bps
Non-Interest Burden1.92%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 / Loans0.63%0.41%0.31%0.18%0.14%0.15%0.22%0.29%+11 bps
Net Charge-Offs / Loans0.00%0.00%0.04%0.02%0.01%0.01%0.00%0.02%0 bps
Allowance / Loans0.63%0.62%0.61%0.62%0.64%0.65%0.67%0.66%+4 bps
Allowance Coverage of NPLs1.0x1.5x2.0x3.4x4.5x4.3x3.0x2.2x-1.2x
Capital
Tier 1 Leverage Ratio10.83%10.72%10.79%10.64%10.65%10.73%10.84%10.92%+28 bps
Total Risk-Based Capital10.83%10.72%10.79%10.64%10.65%10.73%10.84%10.92%+28 bps
Equity / Assets8.74%8.33%8.53%8.71%8.88%9.06%9.17%9.10%+39 bps
Liquidity & Funding
Loans / Deposits77.74%76.00%75.90%76.91%80.56%79.69%78.53%76.47%-44 bps
Liquid Assets / Assets1.80%2.17%2.53%2.67%1.86%3.20%2.70%3.38%+71 bps
CRE / Total Capitaln/an/an/an/a193.89%192.29%189.40%n/an/a