Wakefield, MA · Cert 90291 · Wakefield Bcorp MHC
SI · FDIC · 9 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #46 of 100 inst. · $0.8B of $580.3B
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 | -0.01% | 0.17%1 | 0.17%1 | 0.12% | 0.44%1 | +45 bps | |
| Return on Equity | -0.14% | 1.84% | 1.76% | 1.31% | 4.66% | +480 bps | |
| Net Interest Margin | 2.40% | 2.37% | 2.36% | 2.43% | 2.42% | +3 bps | |
| Efficiency Ratio | 93.53% | 93.34% | 93.37% | 96.27% | 94.41% | +88 bps | |
| Non-Interest Burden | 2.18% | 2.15% | 2.14% | 2.29% | 2.23% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.01% | 1.73% | 5.64% | 3.70% | 6.51% | +350 bps | |
| Loan Growth (YoY) | 3.09% | 1.48% | 2.80% | 1.05% | 6.03% | +294 bps | |
| Deposit Growth (YoY) | 2.62% | 5.50% | 4.69% | 3.02% | 5.23% | +262 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.79% | 0.15% | 0.15% | 0.22% | 0.17% | -162 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.72% | 0.53% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 0.73% | 0.74% | 0.76% | 0.76% | -52 bps | |
| Allowance Coverage of NPLs | 0.7x | 5.0x | 5.0x | 3.4x | 4.3x | +3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 9.78% | 9.67% | 9.60% | 9.45% | -22 bps | |
| Total Risk-Based Capital | 9.67% | 9.78% | 9.67% | 9.60% | 9.45% | -22 bps | |
| Equity / Assets | 9.46% | 9.57% | 9.40% | 9.49% | 9.36% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.58% | 82.67% | 81.73% | 81.41% | 84.22% | +63 bps | |
| Liquid Assets / Assets | 1.39% | 0.63% | 1.83% | 1.70% | 0.72% | -68 bps | |
| CRE / Total Capital | n/a | 216% | 223% | 219% | n/a | n/a | |