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Randolph Savings Bank

Randolph, MA · Cert 90270

FDIC · 5 branches

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Randolph Savings Bank

Randolph, MA · Cert 90270

FDIC · 5 branches

Q3 2022

$831.7MAssets
$725.2MLoans
$625.3MDeposits
$83.9MEquity
Loan mix
99%RE $623.9M0%C&I $2.5M0%Consumer $2.4MQ3 2021Q3 2022
Deposit mix
78%Interest-bearing $488.4M22%Noninterest $137.0MQ3 2021Q3 2022

NIM

3.34%Q3 ’203.18%Q3 ’213.27%Q3 ’22+10%+2%

Non-interest income vs. expense

6.28%Q3 ’205.73%Q3 ’213.83%Q3 ’22+173%+227%

Market Position · Boston-Cambridge-Newton, MA-NH · 2022 SOD (annual) · 0.1% share · #46 of 111 inst. · $0.6B of $511.3B

Executive Summary

  • Earnings: ROA of 0.09%, down 151 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.28% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.99%, down 180 bps from a year ago.
  • Funding: loans stand at 115.96% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.09%-151 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+5 bps YoY

Efficiency Ratio (YTD, annualized)

97.73%+2,363 bps YoY

Tier 1 Leverage Ratio

10.99%-180 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets1.60%1.28%-0.11%0.01%0.09%-151 bps
Return on Equity12.88%10.47%-0.97%0.11%0.86%-1,202 bps
Net Interest Margin2.92%2.89%2.68%2.99%2.97%+5 bps
Efficiency Ratio74.10%77.18%116.25%105.37%97.73%+2,363 bps
Non-Interest Burden0.88%1.27%3.28%3.21%2.88%+200 bps
Growth
Asset Growth (YoY)3.57%11.03%4.27%4.06%10.74%+718 bps
Loan Growth (YoY)11.66%-2.27%2.86%8.45%12.18%+52 bps
Deposit Growth (YoY)8.84%19.50%10.27%11.21%8.46%-38 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.44%0.44%0.41%0.28%+5 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.01%0.01%0 bps
Allowance / Loans0.99%1.06%1.04%0.98%0.95%-4 bps
Allowance Coverage of NPLs4.3x2.4x2.4x2.4x3.4x-0.9x
Capital
Tier 1 Leverage Ratio12.78%12.29%10.49%11.13%10.99%-180 bps
Total Risk-Based Capital16.79%17.44%15.44%15.30%15.39%-140 bps
Equity / Assets12.67%11.60%10.46%10.46%10.08%-259 bps
Liquidity & Funding
Loans / Deposits112.12%92.51%96.44%103.83%115.96%+384 bps
Liquid Assets / Assets1.22%13.95%8.91%1.44%2.16%+94 bps
CRE / Total Capitaln/an/an/an/an/an/an/a