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 (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 | 0.54%1 | -0.44% | 0.14%1 | -0.16% | 0.54%1 | 0.14% | 0.12% | 0.75%1 | +91 bps | |
| Return on Equity | 5.77% | -4.63% | 1.46% | -1.71% | 5.69% | 1.53% | 1.31% | 7.99% | +970 bps | |
| Net Interest Margin | 2.03% | 2.14% | 2.23% | 2.57% | 2.36% | 2.47% | 2.43% | 2.48% | -9 bps | |
| Efficiency Ratio | 104.65% | 101.98% | 100.02% | 87.73% | 92.98% | 93.44% | 96.27% | 92.63% | +490 bps | |
| Non-Interest Burden | 2.14% | 2.17% | 2.21% | 2.16% | 2.13% | 2.24% | 2.29% | 2.22% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.54% | 5.42% | 2.12% | 3.01% | 1.73% | 5.64% | 3.70% | 6.51% | +350 bps | |
| Loan Growth (YoY) | 9.06% | 6.20% | 6.61% | 3.09% | 1.48% | 2.80% | 1.05% | 6.03% | +294 bps | |
| Deposit Growth (YoY) | 1.59% | 4.44% | 1.06% | 2.62% | 5.50% | 4.69% | 3.02% | 5.23% | +262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.17% | 2.38% | 2.17% | 1.79% | 0.15% | 0.15% | 0.22% | 0.17% | -162 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 2.15% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.97% | 0.97% | 1.28% | 0.73% | 0.74% | 0.76% | 0.76% | -52 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.7x | 5.0x | 5.0x | 3.4x | 4.3x | +3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.95% | 9.55% | 9.73% | 9.67% | 9.78% | 9.67% | 9.60% | 9.45% | -22 bps | |
| Total Risk-Based Capital | 9.95% | 9.55% | 9.73% | 9.67% | 9.78% | 9.67% | 9.60% | 9.45% | -22 bps | |
| Equity / Assets | 9.59% | 9.27% | 9.43% | 9.46% | 9.57% | 9.40% | 9.49% | 9.36% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.95% | 83.23% | 83.00% | 83.58% | 82.67% | 81.73% | 81.41% | 84.22% | +63 bps | |
| Liquid Assets / Assets | 1.98% | 0.94% | 1.27% | 1.39% | 0.63% | 1.83% | 1.70% | 0.72% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 216% | 223% | 219% | n/a | n/a | |