Peer Data for New England Banks — Fourth Quarter Report, 2025

Below is our compilation of peer financial information for the nine months ended December 31, 2025. Consistent with prior quarters, each New England state has its own tab, with a final tab that consolidates all banks across the region.

The dataset includes key credit quality, performance, and capital adequacy ratios. We also provide simple averages for each state, as well as comparable ratios for all FDIC-insured institutions in the $100 million–$1.0 billion and $1.0 billion–$10.0 billion asset ranges.

For community banks nationally:

• Net income for the quarter decreased from Q3 2025 due to higher non-interest expense and securities losses. However, year to date net income increased 22.5% compared to 2024 year to date net income.
• Net interest margin increased over Q3 by 4 basis points, and increased 33 basis points from the same period in 2024. This increase was driven by cost of funds decreasing at a faster rate relative to the yield on earning assets.
• The provision for credit losses decreased slightly by 0.1% from Q3 but increased 8.1% over the same period in 2024.
• Loan growth remained positive and was broad based across most loan categories, with the largest increase in nonfarm residential CRE loans.

In New England, for the 12-month period in 2025 compared with the prior quarter:

• Net interest margins increased slightly, with a slight increase in yield on earning assets  and decrease in cost of funds, however margins remain lower than national averages.
• Net loan charge-offs increased slightly over prior quarter but remained lower than national averages.
• Non-performing loans to total loans increased slightly and remained lower than national averages. 

As always, please feel free to contact us with any questions.

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