North Easton 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 45.07 percentage points in Q2 2026, from 77.82% to 32.75%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, North Easton Savings Bank is 34th of 89 on return on assets, 0.81% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. North Easton Savings Bank sits 0.47 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.22% |
| Tier 1 risk-based capital ratio | 16.22% |
| Total risk-based capital ratio | 16.80% |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 11.40% |
| Tangible equity to tangible assets | 10.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.59% |
| Non-performing assets ratio | 1.14% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 10.96% |
| Allowance for credit losses to loans | 0.52% |
| Reserve coverage of non-performing loans | 32.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 7.09% |
| Net interest margin | 3.22% |
| Efficiency ratio | 67.33% |
| Yield on earning assets | 4.91% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.33% |
| Core deposits to total deposits | 94.24% |
| Brokered deposits to total deposits | 1.18% |
| Deposits to assets | 87.23% |
| Securities to assets | 18.69% |
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 | 12.95% | 12.95% | 13.47% | 8.58% | 0.57% |
| Q4 2023 | 13.05% | 13.05% | 13.57% | 8.64% | 0.45% |
| Q1 2024 | 12.79% | 12.79% | 13.32% | 8.52% | 0.53% |
| Q2 2024 | 12.67% | 12.67% | 13.20% | 8.59% | 0.61% |
| Q3 2024 | 12.68% | 12.68% | 13.25% | 8.65% | 0.52% |
| Q4 2024 | 12.70% | 12.70% | 13.30% | 8.72% | 0.77% |
| Q1 2025 | 12.80% | 12.80% | 13.38% | 8.70% | 0.61% |
| Q2 2025 | 12.83% | 12.83% | 13.37% | 8.86% | 0.75% |
| Q3 2025 | 12.97% | 12.97% | 13.52% | 8.99% | 0.73% |
| Q4 2025 | 13.02% | 13.02% | 13.60% | 9.08% | 0.62% |
| Q1 2026 | 16.11% | 16.11% | 16.68% | 11.47% | 0.73% |
| Q2 2026 | 16.22% | 16.22% | 16.80% | 11.19% | 0.81% |
North Easton Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Easton 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 Easton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90259) · FFIEC NIC profile (RSSD 527600)