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
Unfavorable gap of $34.0M · efficiency ratio beats 16% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.91% | 1.22% | 1.52% | Beats 18% | 269 / 328 | |
| Return on Equity | 6.59% | 8.43% | 11.45% | 14.43% | Beats 13% | 285 / 328 | |
| Net Interest Margin | 2.85% | 3.03% | 3.45% | 3.83% | Beats 17% | 273 / 328 | |
| Efficiency Ratio | 71.82% | 51.61% | 59.56% | 67.53% | Beats 16% | 275 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.64% | 0.24% | 0.51% | 1.03% | Beats 13% | 280 / 322 | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.03% | 0.10% | Beats 22% | 251 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 16.22% | 11.75% | 13.15% | 15.47% | Beats 80% | 66 / 328 | |
| Total Risk-Based Capital Ratio | 16.80% | 12.63% | 14.15% | 16.46% | Beats 78% | 73 / 328 | |
| Equity / Assets | 11.40% | 9.15% | 10.33% | 12.01% | Beats 66% | 112 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 82.33% | 76.63% | 87.92% | 95.36% | 37th pctl | 205 / 323 | |
| Loans / Assets | 71.82% | 65.18% | 74.15% | 79.98% | 42nd pctl | 189 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |