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North Brookfield Savings Bank

$100M-$1B Specialty: Commercial MA FDIC cert 90258

North Brookfield, MA

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits +2.8% year over year ($383.2M on the books).
  • Delinquency rate 0.30%.
  • Return on assets 0.56%.
  • Efficiency ratio 78.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.96% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

North Brookfield Savings Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.6% in tier
  • - Credit Quality Pressure: Bottom 23.8% in tier
  • - Net Interest Margin 1.03% below tier average
  • - ROA 0.77% below tier average
  • - Efficiency Ratio 13.94% above tier average
Get updates when North Brookfield Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $448.7M
+3.7% YoY +2.0% QoQ
+$62.1M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $291.1M
+2.1% YoY -0.3% QoQ
+$32.7M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $383.2M
+2.8% YoY +2.4% QoQ
+$56.5M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.56%
+39.7% YoY +14.4% QoQ
-0.77% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 13.9% in tier
Net Interest Margin ? 2.96%
+9.3% YoY +1.6% QoQ
-1.03% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 8.8% in tier
Efficiency Ratio ? 78.42%
-5.2% YoY -2.7% QoQ
+13.94% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.30%
+60.5% YoY +32.2% QoQ
-0.62% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 75.96%
-0.6% YoY -2.6% QoQ
-1.99% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 19.36%
+10.5% YoY +5.1% QoQ
-2.67% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.19%
+9.2% YoY +29.2% QoQ
-0.48% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 10.92%
+2.6% YoY +0.7% QoQ
-4.99% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.25%
-7.2% YoY +94.5% QoQ
-0.32% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
63%

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 19.4%
+1.8pp YoY
+0.9pp QoQ
 -2.8pp 22.1% 16.2% 22.2% 42%
Brokered Deposits 1.4%
-0.4pp YoY
-0.8pp QoQ
 -6.5pp 7.9% 6.1% 8.5% 23%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 9.5%
+2.0pp YoY
+0.6pp QoQ
 -2.1pp 11.6% 6.5% 12.5% 49%
CRE 30.3%
+2.8pp YoY
-0.5pp QoQ
 -9.3pp 39.5% 40.3% 41.4% 35%
1-4 Family 58.6%
-4.8pp YoY
-0.5pp QoQ
 +25.9pp 32.6% 52.4% 31.3% 89%
Consumer 1.6%
+0.2pp YoY
+0.6pp QoQ
 -2.5pp 4.1% 1.6% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.6% 19.7% n/a
Leverage Ratio 10.9%
+0.3pp YoY
+0.1pp QoQ
 -1.3pp 12.2% 11.5% 12.6% 49%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 53
-5 (-8.6%) YoY
0 QoQ
 -6 58 755 482 56%
Assets per Employee ($) $8.5M
+13.5% YoY
+2.0% QoQ
 +$947K $7.5M $10.7M $8.8M 74%
Branch Count 7
0 YoY
0 QoQ
 +2 4 13 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 38%
Allowance Coverage 2.25x
-34.0% YoY
-25.6% QoQ
 -21.91x 24.15x 7.95x 20.23x 51%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 6.1%
+1.4pp YoY
+0.8pp QoQ
 -6.1pp 12.2% 5.6% 11.6% 17%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 2.0% 1.7% 49%
Net Income ($, YTD) $1.2M
+45.2% YoY
— QoQ
 -$1.3M $2.6M $31.7M $40.4M 34%

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)

Credit Risk Growth

risk
#44 of 936 • Bottom 4.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#300 of 1256 • Bottom 23.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.30%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2411
Net Interest Margin
profitability
Value: 2.96%
Peer Median: 3.99%
#2411 of 2643 Bottom 8.8% in $100M-$1B
2276
Return on Assets
profitability
Value: 0.56%
Peer Median: 1.32%
#2276 of 2643 Bottom 13.9% in $100M-$1B
2231
Efficiency Ratio
profitability
Value: 78.42%
Peer Median: 64.48%
#2231 of 2643 Bottom 15.6% in $100M-$1B
2058
Tier 1 Capital Ratio
capital
Value: 10.92%
Peer Median: 15.91%
#2058 of 2643 Bottom 22.2% in $100M-$1B
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