Whitinsville, MA · Cert 90290 · Ufs Bcorp
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 11.3% share · #2 of 26 inst. · $2.5B of $22.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.81% | 0.81% | 0.96% | 1.06% | +30 bps | |
| Return on Equity | 10.54% | 11.06% | 10.81% | 12.05% | 13.54% | +300 bps | |
| Net Interest Margin | 2.53% | 2.68% | 2.72% | 2.87% | 2.80% | +28 bps | |
| Efficiency Ratio | 63.48% | 63.60% | 62.93% | 61.40% | 58.06% | -543 bps | |
| Non-Interest Burden | 1.41% | 1.50% | 1.51% | 1.54% | 1.39% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.44% | 6.99% | 6.35% | 6.68% | 5.82% | -162 bps | |
| Loan Growth (YoY) | 7.26% | 5.71% | 5.54% | 1.84% | 3.08% | -418 bps | |
| Deposit Growth (YoY) | 2.83% | 2.48% | 1.00% | 3.84% | 4.38% | +155 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.55% | 0.75% | 0.68% | 0.62% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.09% | -0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.40% | 1.40% | 1.37% | 1.42% | 1.42% | +2 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.5x | 1.8x | 2.1x | 2.3x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.45% | 8.91% | 9.06% | 9.10% | 8.83% | +38 bps | |
| Total Risk-Based Capital | 14.42% | 14.60% | 14.64% | 15.11% | 15.27% | +85 bps | |
| Equity / Assets | 7.03% | 7.68% | 8.07% | 7.81% | 7.60% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.68% | 92.87% | 99.33% | 89.38% | 83.62% | -105 bps | |
| Liquid Assets / Assets | 11.81% | 5.14% | 2.72% | 8.59% | 11.60% | -20 bps | |
| CRE / Total Capital | n/a | 196.44% | 188.25% | 179.72% | n/a | n/a | |