PackageTrendsPeer
Letter portraitLegal landscape

North Easton Savings Bank

South Easton, MA · Cert 90259 · 1864 Bcorp MHC

SI · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North Easton Savings Bank

South Easton, MA · Cert 90259 · 1864 Bcorp MHC

SI · FDIC · 14 branches

Q2 2026

$1.8BAssets
$1.3BLoans
$1.6BDeposits
$210.4MEquity
Loan mix
83%RE $1.1B14%C&I $0.2B3%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.4B15%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.40%Q2 ’244.41%Q2 ’254.38%Q2 ’26+2%+8%

Non-interest income vs. expense

2.44%Q2 ’242.47%Q2 ’252.47%Q2 ’260%+2%

Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 1.3% share · #15 of 22 inst. · $0.8B of $61.9B

5.0% Bristol
4.2% Plymouth

Executive Summary

  • Earnings: ROA of 0.76%, up 8 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 1.64% of loans (+117 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.19%, up 233 bps from a year ago.
  • Funding: loans stand at 82.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+21 bps YoY

Efficiency Ratio (YTD, annualized)

70.92%-344 bps YoY

Tier 1 Leverage Ratio

11.19%+233 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.68%0.71%0.76%+8 bps
Return on Equity7.54%7.66%7.37%6.79%7.07%-48 bps
Net Interest Margin2.64%2.68%2.70%2.85%2.85%+21 bps
Efficiency Ratio74.35%73.57%75.11%73.62%70.92%-344 bps
Non-Interest Burden1.81%1.80%1.87%1.94%1.86%+4 bps
Growth
Asset Growth (YoY)4.50%5.96%3.46%6.03%7.02%+252 bps
Loan Growth (YoY)4.67%3.88%4.45%4.65%1.95%-273 bps
Deposit Growth (YoY)7.48%6.06%1.62%3.50%4.58%-291 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.52%0.71%0.76%1.64%+117 bps
Net Charge-Offs / Loans0.02%0.01%0.01%-0.02%0.03%+2 bps
Allowance / Loans0.45%0.48%0.51%0.50%0.52%+7 bps
Allowance Coverage of NPLs1.0x0.9x0.7x0.7x0.3x-0.7x
Capital
Tier 1 Leverage Ratio8.86%8.99%9.08%11.47%11.19%+233 bps
Total Risk-Based Capital13.37%13.52%13.60%16.68%16.80%+343 bps
Equity / Assets9.22%9.35%9.56%11.43%11.40%+219 bps
Liquidity & Funding
Loans / Deposits84.46%85.63%86.50%83.71%82.33%-212 bps
Liquid Assets / Assets7.49%7.66%7.84%8.10%7.86%+37 bps
CRE / Total Capitaln/a288%299%239%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Easton Savings Bank

South Easton, MA · Cert 90259 · Peer group: banks $1B-$10B in assets (n=322-328) · 1864 Bcorp MHC

SI · FDIC · 14 branches

Q2 2026

$1.8BAssets
$1.3BLoans
$1.6BDeposits
$210.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 80% of banks $1B-$10B in assets (rank 66 of 328).
  • Widest gap: nonperforming loans / loans trails 87% of banks $1B-$10B in assets (rank 280 of 322).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.75%

Rank 269 of 328

Net Interest Margin

2.85%

Rank 273 of 328

Efficiency Ratio

71.82%

Rank 275 of 328

Equity / Assets

11.40%

Rank 112 of 328

Non-interest income vs. expense

$11.2M$45.3MINCOMEEXPENSE
Unfavorable gap of $34.0M · efficiency ratio beats 16% of banks $1B-$10B in assets
Bank 71.82%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.91%1.22%1.52%Beats 18%269 / 328
Return on Equity6.59%8.43%11.45%14.43%Beats 13%285 / 328
Net Interest Margin2.85%3.03%3.45%3.83%Beats 17%273 / 328
Efficiency Ratio71.82%51.61%59.56%67.53%Beats 16%275 / 328
Asset Quality
Nonperforming Loans / Loans1.64%0.24%0.51%1.03%Beats 13%280 / 322
Net Charge-Offs / Loans0.13%0.01%0.03%0.10%Beats 22%251 / 322
Capital
Tier 1 Capital Ratio16.22%11.75%13.15%15.47%Beats 80%66 / 328
Total Risk-Based Capital Ratio16.80%12.63%14.15%16.46%Beats 78%73 / 328
Equity / Assets11.40%9.15%10.33%12.01%Beats 66%112 / 328
Liquidity & Funding
Loans / Deposits82.33%76.63%87.92%95.36%37th pctl205 / 323
Loans / Assets71.82%65.18%74.15%79.98%42nd pctl189 / 328
Brokered Deposits / Depositsn/aNot reported for this institution