Marblehead Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 87.96 percentage points in Q2 2026, from 113.93% to 201.90%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Marblehead Bank is 69th of 89 on return on assets, 0.44% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Marblehead Bank reported 0.44% on return on assets in Q2 2026, 0.82 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.99% |
| Tier 1 risk-based capital ratio | 16.99% |
| Total risk-based capital ratio | 17.81% |
| Tier 1 leverage ratio | 10.11% |
| Equity capital to assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.28% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 201.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 4.42% |
| Net interest margin | 3.97% |
| Efficiency ratio | 85.38% |
| Yield on earning assets | 4.80% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.73% |
| Core deposits to total deposits | 88.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.37% |
| Securities to assets | 5.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.94% | 13.94% | 14.62% | 9.11% | 0.60% |
| Q4 2023 | 16.30% | 16.30% | 17.05% | 9.52% | 0.60% |
| Q1 2024 | 16.74% | 16.74% | 17.51% | 9.68% | 0.38% |
| Q2 2024 | 16.43% | 16.43% | 17.20% | 9.60% | 0.38% |
| Q3 2024 | 16.61% | 16.61% | 17.39% | 9.57% | 0.50% |
| Q4 2024 | 16.20% | 16.20% | 16.99% | 9.83% | 0.32% |
| Q1 2025 | 16.55% | 16.55% | 17.32% | 9.81% | 0.49% |
| Q2 2025 | 16.26% | 16.26% | 17.08% | 9.87% | 0.26% |
| Q3 2025 | 16.66% | 16.66% | 17.49% | 10.17% | 0.45% |
| Q4 2025 | 16.72% | 16.72% | 17.54% | 10.10% | 0.43% |
| Q1 2026 | 16.99% | 16.99% | 17.80% | 10.23% | 0.45% |
| Q2 2026 | 16.99% | 16.99% | 17.81% | 10.11% | 0.44% |
Marblehead Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Marblehead Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Marblehead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90234) · FFIEC NIC profile (RSSD 816304)