OneLocal Bank
Total assets
$1.05B
▲ +3.1% YoY
Deposits
$843.0M
▲ +2.4% YoY
Loans
$903.2M
▲ +4.6% YoY
Offices
4
1889 BCORP MHC
ROA (annualized)
0.99%
peers 1.26%
ROE (annualized)
7.18%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | OneLocal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.3 pts |
| Deposit growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Loan growth (YoY) | +4.6% | +5.9% | -1.3 pts |
| ROA | 0.99% | 1.26% | -0.3 pts |
| ROE | 7.2% | 12.2% | -5.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1889
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- 1889 BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 11 Central St, Norwood, MA, 02062
- County
- Norfolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 4
- FDIC cert #
- 26555
- RSSD ID
- 1013070
- 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 | $1.05B | $843.0M | $903.2M | $146.2M | $5.2M | 0.99% | 3.55% | 0.19% |
| Q1 2026 | $1.06B | $842.2M | $903.2M | $143.3M | $2.4M | 0.91% | 3.42% | 0.18% |
| Q4 2025 | $1.03B | $831.0M | $881.2M | $141.6M | $9.3M | 0.92% | 3.44% | 0.07% |
| Q3 2025 | $1.03B | $824.5M | $882.0M | $138.4M | $6.4M | 0.85% | 3.37% | 0.04% |
| Q2 2025 | $1.02B | $822.8M | $863.3M | $134.6M | $3.8M | 0.77% | 3.27% | 0.04% |
| Q1 2025 | $973.6M | $795.6M | $827.8M | $132.7M | $1.6M | 0.66% | 3.14% | 0.04% |
| Q4 2024 | $965.7M | $793.4M | $814.3M | $130.4M | $5.3M | 0.57% | 2.95% | 0.04% |
| Q3 2024 | $946.0M | $768.7M | $797.4M | $130.3M | $3.4M | 0.48% | 2.93% | 0.18% |
Loan mix (Q2 2026): real estate $905.0M · commercial $6.5M · consumer $890K · securities $95.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | OneLocal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.70% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 59.0% | 55th | |
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 | OneLocal 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 | OneLocal 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 | OneLocal 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 | OneLocal 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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