South Weymouth, MA · Cert 90303 · Charlesbridge MHC
State charter, Fed member · FED · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
54
Profitability
46
Liquidity
0
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
South Weymouth, MA · Cert 90303 · Charlesbridge MHC
State charter, Fed member · FED · 1 affiliate bank · 13 branches (28 in holding)
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.4% share · #19 of 100 inst. · $2.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.38% | 0.40% | 0.47% | 0.59% | 0.67% | 0.69% | 0.71% | +24 bps | |
| Return on Equity | 5.18% | 4.04% | 4.20% | 5.01% | 6.32% | 7.11% | 7.28% | 7.42% | +241 bps | |
| Net Interest Margin | 2.65% | 2.62% | 2.69% | 2.60% | 2.73% | 2.75% | 2.75% | 2.75% | +14 bps | |
| Efficiency Ratio | 77.05% | 82.48% | 80.78% | 77.96% | 73.62% | 71.62% | 68.75% | 68.88% | -908 bps | |
| Non-Interest Burden | 1.98% | 2.11% | 2.12% | 1.97% | 1.92% | 1.87% | 1.81% | 1.81% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | 4.50% | 4.00% | 9.54% | 9.00% | 9.65% | 11.66% | 5.30% | -423 bps | |
| Loan Growth (YoY) | 4.39% | 7.11% | 5.48% | 5.20% | 8.18% | 6.36% | 7.37% | 7.72% | +252 bps | |
| Deposit Growth (YoY) | 3.86% | 5.91% | 3.92% | 9.27% | 9.05% | 8.87% | 11.61% | 5.13% | -414 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.31% | 0.36% | 0.35% | 0.33% | 0.26% | 0.21% | 0.24% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.04% | 0.00% | -1 bps | |
| Allowance / Loans | 1.01% | 0.98% | 0.98% | 0.96% | 0.93% | 0.93% | 0.90% | 0.91% | -5 bps | |
| Allowance Coverage of NPLs | 2.4x | 3.2x | 2.7x | 2.7x | 2.9x | 3.6x | 4.2x | 3.8x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.36% | 10.48% | 10.09% | 10.33% | 10.42% | 10.06% | 10.10% | +1 bps | |
| Total Risk-Based Capital | 15.61% | 15.20% | 15.26% | 15.17% | 14.87% | 15.05% | 14.78% | 14.77% | -40 bps | |
| Equity / Assets | 9.72% | 9.37% | 9.54% | 9.29% | 9.39% | 9.60% | 9.37% | 9.62% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.36% | 78.07% | 77.60% | 74.91% | 75.76% | 76.27% | 74.65% | 76.75% | +184 bps | |
| Liquid Assets / Assets | 4.78% | 3.52% | 4.31% | 7.22% | 7.52% | 7.43% | 8.45% | 5.90% | -132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 372% | 377% | n/a | n/a | |
South Weymouth, MA · Cert 90303 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Charlesbridge MHC
State charter, Fed member · FED · 1 affiliate bank · 13 branches (28 in holding)
Q2 2026
Return on Assets
0.71%
Rank 19 of 27
Net Interest Margin
2.75%
Rank 13 of 27
Efficiency Ratio
69.11%
Rank 15 of 27
Equity / Assets
9.62%
Rank 21 of 27
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.48% | 0.78% | 0.99% | Beats 30% | 19 / 27 | ||
| Return on Equity | 7.33% | 5.50% | 7.06% | 8.20% | Beats 56% | 12 / 27 | ||
| Net Interest Margin | 2.75% | 2.49% | 2.70% | 3.34% | Beats 52% | 13 / 27 | ||
| Efficiency Ratio | 69.11% | 59.27% | 68.19% | 75.85% | Beats 48% | 15 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.58% | 1.15% | Beats 67% | 10 / 27 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 17 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.87% | 13.21% | 14.69% | 16.81% | Beats 37% | 17 / 27 | ||
| Total Risk-Based Capital Ratio | 14.77% | 13.71% | 15.43% | 18.07% | Beats 41% | 16 / 27 | ||
| Equity / Assets | 9.62% | 9.62% | 11.14% | 13.14% | Beats 22% | 21 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.75% | 91.42% | 101.19% | 107.11% | 7th pctl | 25 / 27 | ||
| Loans / Assets | 67.48% | 75.31% | 80.56% | 83.39% | 7th pctl | 25 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||