South Easton, MA · Cert 90259 · 1864 Bcorp MHC
SI · FDIC · 14 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 1.3% share · #15 of 22 inst. · $0.8B of $61.9B
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 | 0.52% | 0.77% | 0.61% | 0.75% | 0.73% | 0.62% | 0.71% | 0.81% | +6 bps | |
| Return on Equity | 5.86% | 8.60% | 6.79% | 8.26% | 7.91% | 6.54% | 6.79% | 7.09% | -117 bps | |
| Net Interest Margin | 2.53% | 2.54% | 2.60% | 2.69% | 2.80% | 2.82% | 2.85% | 2.97% | +28 bps | |
| Efficiency Ratio | 76.55% | 109.56% | 74.56% | 74.16% | 72.14% | 79.61% | 73.62% | 68.40% | -576 bps | |
| Non-Interest Burden | 1.75% | 2.88% | 1.81% | 1.82% | 1.81% | 2.12% | 1.94% | 1.84% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 8.53% | 7.30% | 4.50% | 5.96% | 3.46% | 6.03% | 7.02% | +252 bps | |
| Loan Growth (YoY) | 7.02% | 7.79% | 5.52% | 4.67% | 3.88% | 4.45% | 4.65% | 1.95% | -273 bps | |
| Deposit Growth (YoY) | 2.88% | 11.72% | 10.03% | 7.48% | 6.06% | 1.62% | 3.50% | 4.58% | -291 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.64% | 0.51% | 0.47% | 0.52% | 0.71% | 0.76% | 1.64% | +117 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | -0.02% | 0.09% | +8 bps | |
| Allowance / Loans | 0.48% | 0.50% | 0.49% | 0.45% | 0.48% | 0.51% | 0.50% | 0.52% | +7 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 1.0x | 1.0x | 0.9x | 0.7x | 0.7x | 0.3x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.65% | 8.72% | 8.70% | 8.86% | 8.99% | 9.08% | 11.47% | 11.19% | +233 bps | |
| Total Risk-Based Capital | 13.25% | 13.30% | 13.38% | 13.37% | 13.52% | 13.60% | 16.68% | 16.80% | +343 bps | |
| Equity / Assets | 9.01% | 8.91% | 9.04% | 9.22% | 9.35% | 9.56% | 11.43% | 11.40% | +219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.42% | 84.15% | 82.79% | 84.46% | 85.63% | 86.50% | 83.71% | 82.33% | -212 bps | |
| Liquid Assets / Assets | 7.77% | 8.17% | 8.79% | 7.49% | 7.66% | 7.84% | 8.10% | 7.86% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 299% | 239% | n/a | n/a | |