| Metric | Bank of New England | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.5% | — |
| Deposit growth (YoY) | — | +5.1% | — |
| Loan growth (YoY) | — | +5.9% | — |
| ROA | 2.17% | 1.26% | +0.9 pts |
| ROE | 13.2% | 12.2% | +1.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.82B | $1.49B | $1.55B | $302.3M | $19.8M | 2.17% | 4.22% | 3.13% |
| Q1 2026 | $1.85B | $1.53B | $1.56B | $292.8M | $9.8M | 2.14% | 4.33% | 1.62% |
| Q4 2025 | $1.81B | $1.47B | $1.56B | $303.3M | $39.2M | 2.28% | 4.38% | 1.68% |
| Q3 2025 | $1.81B | $1.48B | $1.57B | $292.5M | $27.8M | 2.19% | 4.35% | 1.69% |
| Q2 2025 | $1.75B | $1.44B | $1.53B | $282.1M | $17.0M | 2.05% | 4.29% | 1.75% |
| Q1 2025 | $1.69B | $1.39B | $1.45B | $273.4M | $7.8M | 1.95% | 4.22% | 1.83% |
| Q4 2024 | $1.53B | $1.23B | $1.36B | $276.0M | $31.6M | 2.17% | 4.32% | 2.48% |
| Q3 2024 | $1.49B | $1.20B | $1.29B | $267.6M | $22.6M | 2.10% | 4.31% | 2.12% |
Loan mix (Q2 2026): real estate $1.52B · commercial $44.8M · consumer $234K · securities $32.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of New England | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 29.7% | 59.0% | 2th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of New England | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of New England | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of New England | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of New England | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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