Webster, MA · Cert 90297 · Webfive MHC
SI · FDIC · 7 branches
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 4.4% share · #7 of 26 inst. · $1.0B 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 | 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% | 0.54% | 0.72% | 0.72% | 0.76% | 0.73% | 0.73% | 0.87% | +14 bps | |
| Return on Equity | 5.08% | 5.11% | 6.72% | 6.71% | 7.00% | 6.59% | 6.26% | 7.35% | +65 bps | |
| Net Interest Margin | 2.89% | 2.92% | 3.00% | 3.08% | 3.20% | 3.28% | 3.38% | 3.48% | +40 bps | |
| Efficiency Ratio | 78.25% | 77.77% | 75.00% | 73.31% | 71.01% | 70.45% | 71.57% | 69.70% | -360 bps | |
| Non-Interest Burden | 2.17% | 2.18% | 2.15% | 2.15% | 2.14% | 2.17% | 2.29% | 2.28% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 4.08% | 4.13% | 5.82% | 5.13% | 0.14% | 0.82% | -0.92% | -674 bps | |
| Loan Growth (YoY) | 6.11% | 4.93% | 3.98% | 4.71% | 2.93% | -1.26% | -1.37% | -3.54% | -825 bps | |
| Deposit Growth (YoY) | 1.90% | 2.58% | 2.71% | 3.38% | 4.32% | 1.19% | 2.34% | -0.02% | -339 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.23% | 0.41% | 0.95% | 0.88% | 0.76% | 1.16% | 0.46% | -48 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.10% | 0.00% | -0.08% | -0.06% | 0.12% | 0.86% | 0.49% | +58 bps | |
| Allowance / Loans | 0.97% | 0.89% | 0.87% | 0.93% | 1.00% | 0.98% | 0.82% | 0.80% | -13 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.9x | 2.1x | 1.0x | 1.1x | 1.3x | 0.7x | 1.7x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.53% | 11.51% | 11.55% | 11.84% | 12.11% | 12.34% | 12.52% | +98 bps | |
| Total Risk-Based Capital | 11.50% | 11.53% | 11.51% | 11.55% | 11.84% | 12.11% | 12.34% | 12.52% | +98 bps | |
| Equity / Assets | 10.95% | 10.55% | 10.88% | 10.98% | 11.24% | 11.70% | 11.72% | 11.95% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.12% | 102.78% | 101.61% | 101.36% | 98.79% | 100.28% | 97.93% | 97.79% | -357 bps | |
| Liquid Assets / Assets | 1.39% | 1.17% | 0.75% | 1.10% | 2.97% | 1.44% | 1.56% | 1.50% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 459% | 442% | 438% | n/a | n/a | |