Stonehambank: 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.
Loan-to-deposit ratio dropped 3.51 percentage points in Q2 2026, from 96.47% to 92.97%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Stonehambank is 59th of 89 on return on assets, 0.50% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Stonehambank reported 0.50% on return on assets in Q2 2026, 0.75 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.51% |
| Tier 1 risk-based capital ratio | 12.51% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 8.94% |
| Equity capital to assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.97% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 312.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 6.63% |
| Net interest margin | 2.99% |
| Efficiency ratio | 75.04% |
| Yield on earning assets | 5.16% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.97% |
| Core deposits to total deposits | 79.20% |
| Brokered deposits to total deposits | 5.92% |
| Deposits to assets | 84.20% |
| Securities to assets | 10.55% |
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 | 13.48% | 13.48% | 14.70% | 9.46% | 0.19% |
| Q4 2023 | 13.48% | 13.48% | 14.71% | 9.61% | 0.08% |
| Q1 2024 | 13.54% | 13.54% | 14.77% | 9.59% | 0.46% |
| Q2 2024 | 13.18% | 13.18% | 14.39% | 9.31% | -0.04% |
| Q3 2024 | 13.06% | 13.06% | 14.26% | 9.16% | 0.13% |
| Q4 2024 | 13.21% | 13.21% | 14.41% | 9.17% | 0.17% |
| Q1 2025 | 13.06% | 13.06% | 14.26% | 9.05% | -0.27% |
| Q2 2025 | 12.88% | 12.88% | 14.05% | 9.10% | 0.48% |
| Q3 2025 | 12.40% | 12.40% | 13.51% | 9.22% | 0.65% |
| Q4 2025 | 12.43% | 12.43% | 13.55% | 9.03% | 0.58% |
| Q1 2026 | 12.47% | 12.47% | 13.59% | 8.99% | 0.49% |
| Q2 2026 | 12.51% | 12.51% | 13.71% | 8.94% | 0.50% |
Stonehambank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stonehambank, 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 Stonehambank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26559) · FFIEC NIC profile (RSSD 954279)