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 (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 | 0.50% | 0.06% | 0.40% | 0.54% | 0.83% | 0.89% | 0.69% | 0.72% | +17 bps | |
| Return on Equity | 5.20% | 0.66% | 4.20% | 5.78% | 8.85% | 9.39% | 7.28% | 7.56% | +178 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.69% | 2.65% | 2.93% | 2.92% | 2.75% | 2.80% | +15 bps | |
| Efficiency Ratio | 77.41% | 97.93% | 80.78% | 75.25% | 66.20% | 66.08% | 68.75% | 69.02% | -623 bps | |
| Non-Interest Burden | 2.01% | 2.64% | 2.12% | 1.93% | 1.78% | 1.80% | 1.81% | 1.84% | -9 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 | -0.03% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.04% | -0.05% | -6 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 | |