North Brookfield Savings 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 dropped 102.55 percentage points in Q2 2026, from 302.14% to 199.59%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, North Brookfield Savings Bank is 48th of 89 on return on assets, 0.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. North Brookfield Savings Bank sits 0.62 points lower, at 0.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.92% |
| Equity capital to assets | 9.10% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.28% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 199.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 6.87% |
| Net interest margin | 3.02% |
| Efficiency ratio | 76.31% |
| Yield on earning assets | 4.69% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.47% |
| Core deposits to total deposits | 90.99% |
| Brokered deposits to total deposits | 1.35% |
| Deposits to assets | 85.41% |
| Securities to assets | 25.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.99% | 0.38% | 2.77% | 0.18% | 0.01% |
| Q4 2023 | 10.96% | 0.16% | 2.42% | 0.24% | -0.00% |
| Q1 2024 | 10.77% | 0.13% | 2.31% | 0.25% | -0.00% |
| Q2 2024 | 10.80% | 0.31% | 2.44% | 0.25% | -0.00% |
| Q3 2024 | 10.83% | 0.25% | 2.50% | 0.63% | 0.00% |
| Q4 2024 | 10.72% | 0.46% | 2.54% | 0.41% | 0.00% |
| Q1 2025 | 10.79% | 0.33% | 2.63% | 0.31% | 0.04% |
| Q2 2025 | 10.64% | 0.47% | 2.79% | 0.18% | 0.00% |
| Q3 2025 | 10.65% | 0.47% | 2.92% | 0.14% | 0.00% |
| Q4 2025 | 10.73% | 0.63% | 2.91% | 0.21% | 0.00% |
| Q1 2026 | 10.84% | 0.49% | 2.91% | 0.22% | 0.00% |
| Q2 2026 | 10.92% | 0.63% | 3.02% | 0.33% | 0.03% |
North Brookfield Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Brookfield Savings 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 North Brookfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90258) · FFIEC NIC profile (RSSD 528102)