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 (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% | 0.70% | 0.62% | 0.89% | 0.88% | 0.80% | 0.96% | 1.15% | +26 bps | |
| Return on Equity | 9.14% | 9.25% | 8.49% | 12.50% | 12.01% | 10.13% | 12.05% | 15.00% | +250 bps | |
| Net Interest Margin | 2.45% | 2.46% | 2.54% | 2.70% | 2.75% | 2.86% | 2.87% | 2.91% | +21 bps | |
| Efficiency Ratio | 70.72% | 69.93% | 68.80% | 58.77% | 63.83% | 60.97% | 61.40% | 54.96% | -381 bps | |
| Non-Interest Burden | 1.59% | 1.59% | 1.56% | 1.36% | 1.55% | 1.57% | 1.54% | 1.33% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 2.48% | 5.15% | 7.44% | 6.99% | 6.35% | 6.68% | 5.82% | -162 bps | |
| Loan Growth (YoY) | 0.50% | 3.65% | 7.53% | 7.26% | 5.71% | 5.54% | 1.84% | 3.08% | -418 bps | |
| Deposit Growth (YoY) | -1.88% | -3.40% | 0.61% | 2.83% | 2.48% | 1.00% | 3.84% | 4.38% | +155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.23% | 0.22% | 0.49% | 0.55% | 0.75% | 0.68% | 0.62% | +13 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.08% | 0.05% | -0.05% | -0.02% | 0.39% | -0.01% | 0.03% | +8 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.32% | 1.40% | 1.40% | 1.37% | 1.42% | 1.42% | +2 bps | |
| Allowance Coverage of NPLs | 6.4x | 5.8x | 6.0x | 2.9x | 2.5x | 1.8x | 2.1x | 2.3x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 9.11% | 8.88% | 8.45% | 8.91% | 9.06% | 9.10% | 8.83% | +38 bps | |
| Total Risk-Based Capital | 14.41% | 14.29% | 14.10% | 14.42% | 14.60% | 14.64% | 15.11% | 15.27% | +85 bps | |
| Equity / Assets | 7.69% | 7.36% | 7.25% | 7.03% | 7.68% | 8.07% | 7.81% | 7.60% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.04% | 95.06% | 91.14% | 84.68% | 92.87% | 99.33% | 89.38% | 83.62% | -105 bps | |
| Liquid Assets / Assets | 4.60% | 3.36% | 7.23% | 11.81% | 5.14% | 2.72% | 8.59% | 11.60% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.44% | 188.25% | 179.72% | n/a | n/a | |