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Bankesb

$1B-$10B Specialty: Commercial MA FDIC cert 90188

Easthampton, MA

11 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits -0.1% year over year ($1.8B on the books).
  • Delinquency rate 1.69%.
  • Return on assets 0.52%.
  • Efficiency ratio 69.60% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.12% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Bankesb faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.1% in tier
  • - Flatlined Growth: Bottom 1.8% in tier
  • - Return on Assets 0.87% below tier average
  • - Net Interest Margin 0.58% below tier average
  • - Efficiency Ratio 9.87% above tier average
  • - Delinquency Rate 0.82% above tier average
Get updates when Bankesb releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.0B
-1.5% YoY +0.3% QoQ
-$778.2M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $1.6B
-6.4% YoY -0.1% QoQ
-$379.0M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $1.8B
-0.1% YoY +0.4% QoQ
-$561.1M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.52%
-0.2% YoY -37.5% QoQ
-0.87% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 8.4% in tier
Net Interest Margin ? 3.29%
+15.8% YoY +1.5% QoQ
-0.58% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 69.60%
+0.4% YoY +10.4% QoQ
+9.87% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 1.69%
-20.3% YoY +90.7% QoQ
+0.82% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Bottom 12.4% in tier
Loan-to-Deposit Ratio ? 90.12%
-6.3% YoY -0.5% QoQ
+5.09% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 11.02%
+1.0% YoY -0.8% QoQ
-10.26% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
Bottom 13.0% in tier
Nonperforming Asset Ratio ? 1.33%
-24.2% YoY +90.0% QoQ
+0.65% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Bottom 13.1% in tier
Tier 1 Capital Ratio ? 12.06%
+5.0% YoY +1.6% QoQ
-2.79% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.26%
+7.5% YoY +98.8% QoQ
-0.27% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
42%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 11.0%
+0.1pp YoY
-0.1pp QoQ
 -10.4pp 21.4% 16.2% 22.2% 12%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 11.8%
+0.9pp YoY
+0.3pp QoQ
 -2.2pp 14.0% 6.5% 12.5% 54%
CRE 48.9%
-2.7pp YoY
-1.5pp QoQ
 -1.1pp 50.0% 40.3% 41.4% 46%
1-4 Family 38.9%
+1.7pp YoY
+1.0pp QoQ
 +12.5pp 26.4% 52.4% 31.3% 80%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 1.6% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 12.1%
+0.6pp YoY
+0.2pp QoQ
 -3.5pp 15.6% 16.6% 19.7% 25%
Leverage Ratio 9.8%
0.0pp YoY
0.0pp QoQ
 -1.5pp 11.3% 11.5% 12.6% 32%
Total Capital Ratio 13.2%
+0.7pp YoY
+0.4pp QoQ
 -3.5pp 16.7% 17.5% 20.8% 26%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 261
+14 (+5.7%) YoY
+4 (+1.6%) QoQ
 -53 313 755 482 58%
Assets per Employee ($) $7.7M
-6.8% YoY
-1.2% QoQ
 -$2.8M $10.5M $10.7M $8.8M 36%
Branch Count 11
0 YoY
0 QoQ
 -9 20 13 18 35%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.7%
-0.4pp YoY
+0.8pp QoQ
 +0.9pp 0.8% 0.8% 1.0% 89%
Allowance Coverage 0.69x
+45.1% YoY
-38.4% QoQ
 -18.02x 18.71x 7.95x 20.23x 11%
Net Charge-off Rate (YTD) 0.1%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 5.4%
0.0pp YoY
-3.2pp QoQ
 -7.2pp 12.6% 5.6% 11.6% 9%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.9% 2.0% 1.7% 54%
Net Income ($, YTD) $5.3M
-1.0% YoY
— QoQ
 -$14.0M $19.2M $31.7M $40.4M 13%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#1 of 361 • Bottom 0.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.12%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#4 of 162 • Bottom 1.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.52%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

812
Return on Assets
profitability
Value: 0.52%
Peer Median: 1.39%
#812 of 885 Bottom 8.4% in $1B-$10B
774
Delinquency Rate
credit_quality
Value: 1.69%
Peer Median: 0.87%
#774 of 882 Bottom 12.4% in $1B-$10B
771
Non-Interest-Bearing Deposit Share
funding
Value: 11.02%
Peer Median: 21.27%
#771 of 885 Bottom 13.0% in $1B-$10B
770
Nonperforming Asset Ratio
credit_quality
Value: 1.33%
Peer Median: 0.67%
#770 of 885 Bottom 13.1% in $1B-$10B
691
Efficiency Ratio
profitability
Value: 69.60%
Peer Median: 59.73%
#691 of 885 Bottom 22.0% in $1B-$10B
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