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

Below is our compilation of peer financial information for the nine months ended September 30, 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 increased from Q2 2025, driven by higher net interest income and lower credit loss provisions, partially offset by higher non-interest expense.

• Net interest margin improved compared with both Q2 and the same period in 2024. Yields on earning assets and cost of funds each increased quarter-over-quarter.

• The provision for credit losses declined 0.5% from Q2 but rose 33% compared with the same period in 2024.

• Loan growth remained positive and was broad-based across most categories.

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

• Net interest margins increased slightly, supported by a modest rise in yields on earning assets and a stable cost of funds; margins remain below national averages.

• Net loan charge-offs rose slightly but remained below national averages.

• Non-performing loans as a percentage of total loans increased slightly but also remained lower than national averages.

All information included in this report is publicly available and may be shared within your institution, including with board members.

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

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