Provincetown, MA · Cert 90268
SI · FDIC · 5 branches
Q2 2026
Market Position · Barnstable Town, MA · 2026 SOD (annual) · 3.4% share · #9 of 11 inst. · $0.4B of $11.8B
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 | 0.65% | 0.55% | 0.53% | 0.19% | 0.62% | 0.73% | 0.73% | 0.47% | +28 bps | |
| Return on Equity | 5.67% | 4.81% | 4.59% | 1.62% | 5.28% | 6.14% | 5.88% | 3.82% | +221 bps | |
| Net Interest Margin | 3.40% | 3.42% | 3.33% | 3.42% | 3.60% | 3.76% | 3.73% | 3.81% | +39 bps | |
| Efficiency Ratio | 76.73% | 80.44% | 80.48% | 94.19% | 78.31% | 75.53% | 76.05% | 85.11% | -908 bps | |
| Non-Interest Burden | 2.55% | 2.71% | 2.65% | 3.21% | 2.78% | 2.80% | 2.79% | 3.22% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.13% | 2.91% | 7.24% | 6.31% | 2.38% | -0.01% | -0.70% | 2.24% | -406 bps | |
| Loan Growth (YoY) | 9.22% | 9.69% | 8.01% | 7.49% | 8.74% | 7.37% | 4.93% | 2.53% | -496 bps | |
| Deposit Growth (YoY) | -2.36% | 2.60% | 7.31% | 6.15% | 2.03% | -0.92% | -2.96% | -1.51% | -766 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.87% | 0.64% | 0.71% | 0.40% | 0.38% | 0.34% | 0.76% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | -0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 0.63% | 0.62% | 0.61% | 0.59% | 0.59% | 0.58% | 0.60% | 0.59% | 0 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.7x | 1.0x | 0.8x | 1.5x | 1.5x | 1.8x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.69% | 11.54% | 11.85% | 12.11% | 11.64% | 11.89% | 12.42% | 12.57% | +46 bps | |
| Total Risk-Based Capital | 11.69% | 11.54% | 11.85% | 12.11% | 11.64% | 11.89% | 12.42% | 12.57% | +46 bps | |
| Equity / Assets | 11.24% | 11.59% | 11.69% | 11.96% | 11.57% | 12.36% | 12.40% | 12.24% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.41% | 82.08% | 82.19% | 86.54% | 83.56% | 88.95% | 88.88% | 90.10% | +355 bps | |
| Liquid Assets / Assets | 11.14% | 8.10% | 7.91% | 3.65% | 6.91% | 2.05% | 2.84% | 3.20% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 205% | 198.18% | 186.66% | n/a | n/a | |