Bank Safety Analysis
TruNorth Bank: final safety record
BankRegReports is independent of TruNorth Bank and never asks for online banking logins or passwords.
The standout move of Q2 2026 was in return on assets: 0.42 percentage points lower than in Q1 2026, at 0.85%. TruNorth Bank reported 15.98% on CET1 ratio for Q2 2026, 2.48 points above the 13.49% median for banks in the $1B-10B asset tier. From Q3 2023 to Q2 2026, TruNorth Bank's CET1 ratio ranged between 13.93% (Q3 2024) and 16.66% (Q2 2024) and its Texas ratio ranged between 1.58% (Q4 2023) and 4.82% (Q4 2024). Between Q2 2025 and Q2 2026, TruNorth Bank's CET1 ratio rose from 14.91% to 15.98%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.57% to 0.58%, Texas ratio fell from 4.08% to 3.83% and return on assets fell from 1.26% to 0.85%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 15.98% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.46% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.58% are within industry-normal range.
Texas Ratio of 3.8% is well below the 100% historical failure threshold.
Efficiency ratio of 63.3% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 15.98% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 3.83% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.58% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 30.70% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 92.65% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 259.99% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 15.98% |
| Q1 2026 | 15.99% |
| Q4 2025 | 15.21% |
| Q3 2025 | 15.30% |
| Q2 2025 | 14.91% |
| Q1 2025 | 14.84% |
| Q4 2024 | 14.28% |
| Q3 2024 | 13.93% |
| Q2 2024 | 16.66% |
| Q1 2024 | 16.55% |
| Q4 2023 | 16.38% |
| Q3 2023 | 16.38% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 3.83% |
| Q1 2026 | 3.08% |
| Q4 2025 | 3.58% |
| Q3 2025 | 4.51% |
| Q2 2025 | 4.08% |
| Q1 2025 | 4.76% |
| Q4 2024 | 4.82% |
| Q3 2024 | 4.61% |
| Q2 2024 | 1.92% |
| Q1 2024 | 1.89% |
| Q4 2023 | 1.58% |
| Q3 2023 | 1.63% |
TruNorth Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 15.98% | 0.58% | 3.83% | 0.85% |
| Mar 31, 2026 | 15.99% | 0.47% | 3.08% | 1.27% |
| Dec 31, 2025 | 15.21% | 0.52% | 3.58% | 1.40% |
| Sep 30, 2025 | 15.30% | 0.66% | 4.51% | 1.40% |
| Jun 30, 2025 | 14.91% | 0.57% | 4.08% | 1.26% |
| Mar 31, 2025 | 14.84% | 0.65% | 4.76% | 1.21% |
| Dec 31, 2024 | 14.28% | 0.64% | 4.82% | 1.57% |
| Sep 30, 2024 | 13.93% | 0.59% | 4.61% | -0.85% |
| Jun 30, 2024 | 16.66% | 0.33% | 1.92% | 0.91% |
| Mar 31, 2024 | 16.55% | 0.32% | 1.89% | 0.95% |
| Dec 31, 2023 | 16.38% | 0.27% | 1.58% | 0.97% |
| Sep 30, 2023 | 16.38% | 0.28% | 1.63% | 1.07% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 26484) · FFIEC NIC profile (RSSD 161273)
Explore: Full TruNorth Bank profile · Other banks in MA · Metric glossary · How the call report works