Peer Data for New England Banks and Credit Unions — Q1 2025

Gain valuable insight into how your institution compares across the region.

Our latest compilation of peer financial data for the quarter ended March 31, 2025, follows the same format as prior reports. Each New England state is presented on its own tab, with a final tab offering a comprehensive view of all New England banks.

The report includes key credit quality, performance, and capital adequacy ratios, along with simple averages by state. It also features comparative data for all FDIC-insured institutions within the $100 million–$1.0 billion and $1.0 billion–$10.0 billion asset ranges.

National Community Bank Trends (Q1 2025):

• Net income increased from Q4 2024, driven by higher net interest income and reduced credit loss provisions, investment losses, and non-interest expenses, partially offset by a decline in non-interest income.

• Net interest margin improved over Q4 and year-over-year, as both earning asset yields and funding costs declined.

• Credit loss provisions fell 19% from Q4, but rose 34% year-over-year.

• Loan growth remained positive and widespread across most lending categories.

Regional Highlights – New England (Q1 2025 vs. Q4 2024):

• Net interest margins rose slightly, reflecting modest increases in both earning asset yields and funding costs, though margins remain below national averages.

• Net loan charge-offs declined from the previous quarter and remain below national levels.

• Non-performing loans as a percentage of total loans increased slightly but continue to trend below national averages.

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