Onelocal 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 2.42 percentage points higher than in Q1 2026, at 85.00%. Onelocal Bank ranks 22nd of 89 Massachusetts banks on return on assets, in the upper half at 1.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Onelocal Bank sits 0.22 points lower, at 1.05% (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 | 13.68% |
| Equity capital to assets | 13.90% |
| Tangible equity to tangible assets | 13.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.29% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 414.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 7.69% |
| Net interest margin | 3.60% |
| Efficiency ratio | 57.58% |
| Yield on earning assets | 5.90% |
| Cost of funds | 2.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.10% |
| Core deposits to total deposits | 85.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.17% |
| Securities to assets | 9.09% |
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 | 13.45% | 0.67% | 3.32% | 0.10% | 0.00% |
| Q4 2023 | 13.25% | 0.75% | 3.09% | 0.24% | 0.00% |
| Q1 2024 | 13.70% | 0.61% | 3.01% | 0.22% | 0.00% |
| Q2 2024 | 13.94% | 0.37% | 2.88% | 0.21% | 0.00% |
| Q3 2024 | 13.71% | 0.47% | 2.90% | 0.21% | 0.00% |
| Q4 2024 | 13.62% | 0.83% | 2.98% | 0.05% | 0.00% |
| Q1 2025 | 13.69% | 0.66% | 3.13% | 0.05% | 0.00% |
| Q2 2025 | 13.51% | 0.89% | 3.40% | 0.05% | 0.00% |
| Q3 2025 | 13.33% | 1.00% | 3.51% | 0.05% | 0.00% |
| Q4 2025 | 13.49% | 1.11% | 3.58% | 0.08% | 0.00% |
| Q1 2026 | 13.68% | 0.91% | 3.40% | 0.21% | 0.00% |
| Q2 2026 | 13.68% | 1.05% | 3.60% | 0.21% | 0.00% |
Onelocal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Onelocal 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 Onelocal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26555) · FFIEC NIC profile (RSSD 1013070)