Needham Bank
Total assets
$7.42B
▲ +44.7% YoY
Deposits
$6.32B
▲ +47.8% YoY
Loans
$6.40B
▲ +42.3% YoY
Offices
21
NB BCORP INC
ROA (annualized)
1.01%
peers 1.26%
ROE (annualized)
9.14%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Needham Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +44.7% | +5.5% | +39.2 pts |
| Deposit growth (YoY) | +47.8% | +5.1% | +42.7 pts |
| Loan growth (YoY) | +42.3% | +5.9% | +36.4 pts |
| ROA | 1.01% | 1.26% | -0.3 pts |
| ROE | 9.1% | 12.2% | -3.0 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
Profile
- Established
- 1892
- Charter
- State
- Primary regulator
- FED
- Holding company
- NB BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1063 Great Plain Ave, Needham, MA, 02492
- County
- Norfolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 21
- FDIC cert #
- 26483
- RSSD ID
- 339773
- 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 | $7.42B | $6.32B | $6.40B | $810.6M | $36.3M | 1.01% | 3.89% | 0.37% |
| Q1 2026 | $7.17B | $6.10B | $6.19B | $791.1M | $14.4M | 0.82% | 3.82% | 0.80% |
| Q4 2025 | $6.93B | $5.86B | $5.96B | $779.2M | $49.6M | 0.90% | 3.67% | 0.63% |
| Q3 2025 | $5.36B | $4.57B | $4.67B | $651.4M | $39.6M | 1.02% | 3.64% | 0.21% |
| Q2 2025 | $5.13B | $4.28B | $4.50B | $633.7M | $24.9M | 0.98% | 3.61% | 0.24% |
| Q1 2025 | $5.13B | $4.33B | $4.43B | $619.5M | $11.0M | 0.87% | 3.46% | 0.22% |
| Q4 2024 | $5.01B | $4.18B | $4.29B | $606.8M | $34.4M | 0.73% | 3.42% | 0.28% |
| Q3 2024 | $4.85B | $4.05B | $4.21B | $594.1M | $23.0M | 0.67% | 3.49% | 0.33% |
Loan mix (Q2 2026): real estate $4.84B · commercial $1.09B · consumer $285.1M · securities $272.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Needham Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.70% | 62th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 59.0% | 46th | |
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 | Needham Bank | 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 | Needham Bank | 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 | Needham Bank | 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 | Needham Bank | 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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