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Savings Bank, The

Wakefield, MA · Cert 90291 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Wakefield Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$891.0MAssets
$645.6MLoans
$766.6MDeposits
$83.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 62% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 11 of 29).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 29).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.43%

Rank 11 of 29

Net Interest Margin

2.42%

Rank 22 of 29

Efficiency Ratio

94.41%

Rank 23 of 29

Equity / Assets

9.36%

Rank 18 of 29

Non-interest income vs. expense

$6.4M$26.4MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 24% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 94.41%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.43%0.23%0.39%0.50%Beats 62%11 / 29
Return on Equity4.61%2.29%3.46%5.78%Beats 59%12 / 29
Net Interest Margin2.42%2.42%2.71%3.01%Beats 24%22 / 29
Efficiency Ratio94.41%78.96%84.14%93.09%Beats 24%23 / 29
Asset Quality
Nonperforming Loans / Loans0.17%0.03%0.13%0.43%Beats 45%17 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 28%22 / 29
Capital
Tier 1 Capital Ratio9.45%11.54%13.48%16.99%Beats 7%27 / 29
Total Risk-Based Capital Ratio9.45%11.54%14.44%17.87%Beats 7%27 / 29
Equity / Assets9.36%8.70%9.70%11.05%Beats 38%18 / 29
Liquidity & Funding
Loans / Deposits84.22%84.22%92.17%95.56%25th pctl21 / 28
Loans / Assets72.46%69.12%73.70%81.02%34th pctl19 / 29
Brokered Deposits / Depositsn/aNot reported for this institution