Leader Bank, National Association
Total assets
$5.28B
▲ +3.4% YoY
Deposits
$4.26B
▲ +2.8% YoY
Loans
$4.34B
▲ +10.2% YoY
Offices
7
LEADER BCORP INC
ROA (annualized)
0.84%
peers 1.26%
ROE (annualized)
7.84%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +10.2% | +5.9% | +4.3 pts |
| ROA | 0.84% | 1.26% | -0.4 pts |
| ROE | 7.8% | 12.2% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
Profile
- Established
- 2002
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- LEADER BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 141 Massachusetts Ave, Arlington, MA, 02474
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 7
- FDIC cert #
- 57134
- RSSD ID
- 3109146
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.28B | $4.26B | $4.34B | $556.5M | $21.5M | 0.84% | 2.52% | 0.02% |
| Q1 2026 | $5.08B | $4.04B | $4.14B | $546.8M | $8.9M | 0.70% | 2.35% | 0.03% |
| Q4 2025 | $5.03B | $3.91B | $4.10B | $539.1M | $36.9M | 0.75% | 2.25% | 0.03% |
| Q3 2025 | $5.08B | $4.16B | $4.05B | $530.4M | $27.2M | 0.74% | 2.19% | 0.02% |
| Q2 2025 | $5.11B | $4.15B | $3.94B | $518.3M | $16.2M | 0.67% | 2.16% | 0.03% |
| Q1 2025 | $4.90B | $4.00B | $3.83B | $508.7M | $6.5M | 0.55% | 2.07% | 0.03% |
| Q4 2024 | $4.60B | $3.68B | $3.76B | $498.8M | $24.4M | 0.53% | 1.93% | 0.02% |
| Q3 2024 | $4.58B | $3.66B | $3.70B | $496.6M | $18.1M | 0.53% | 1.89% | 0.03% |
Loan mix (Q2 2026): real estate $3.76B · commercial $44.0M · consumer $239K · securities $285.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.26% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.70% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 59.0% | 64th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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