Needham 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 116.68 percentage points in Q2 2026, from 180.09% to 296.76%. It was the largest change from Q1 2026 among the key lines here. Needham Bank ranks 16th of 89 Massachusetts banks on return on assets, in the upper half at 1.21% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Needham Bank sits 0.06 points lower, at 1.21% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.50% |
| Tier 1 risk-based capital ratio | 11.50% |
| Total risk-based capital ratio | 12.31% |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 10.93% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.23% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 296.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 10.93% |
| Net interest margin | 3.96% |
| Efficiency ratio | 55.71% |
| Yield on earning assets | 6.51% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.56% |
| Core deposits to total deposits | 76.60% |
| Brokered deposits to total deposits | 11.37% |
| Deposits to assets | 85.22% |
| Securities to assets | 3.68% |
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 | — | — | — | 9.13% | 0.82% |
| Q4 2023 | — | — | — | 13.62% | -0.01% |
| Q1 2024 | 13.87% | 13.87% | 14.82% | 13.50% | 0.70% |
| Q2 2024 | 13.92% | 13.92% | 14.93% | 13.19% | 0.69% |
| Q3 2024 | 13.00% | 13.00% | 13.89% | 12.63% | 0.62% |
| Q4 2024 | 13.20% | 13.20% | 14.11% | 12.51% | 0.93% |
| Q1 2025 | 12.93% | 12.93% | 13.79% | 12.47% | 0.88% |
| Q2 2025 | 13.17% | 13.17% | 14.10% | 12.61% | 1.10% |
| Q3 2025 | 13.02% | 13.02% | 13.94% | 12.59% | 1.13% |
| Q4 2025 | 11.62% | 11.62% | 12.37% | 10.90% | 0.58% |
| Q1 2026 | 11.44% | 11.44% | 12.25% | 11.04% | 0.83% |
| Q2 2026 | 11.50% | 11.50% | 12.31% | 10.89% | 1.21% |
Needham Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Needham 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 Needham Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26483) · FFIEC NIC profile (RSSD 339773)