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Needham Bank
Needham, MA·FDIC Cert #26483·Charter: STATE·Est. 18920101.0·HC: NB BCORP INC
Total Assets
$6.9B
Q4 2025
Return on Assets
0.90%
-0.12%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.45%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.90%-0.12
ROE
7.53%-0.88
Efficiency
63.45%+3.83
Equity/Assets
0.00%+0.00
NPL Ratio
0.73%+0.48
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
101.84%-0.37
Charge-offs
0.13%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.7 | 0.9 | 1.0 | 1.0 | 0.9 |
| ROE | 5.3 | 5.3 | 5.2 | 5.8 | 7.2 | 8.0 | 8.4 | 7.5 |
| Efficiency | 62.3 | 63.9 | 62.1 | 62.2 | 63.4 | 60.2 | 59.6 | 63.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.5 | 0.4 | 0.3 | 0.3 | 0.3 | 0.2 | 0.7 |
| Charge-offs | 0.2 | 0.1 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 103.8 | 103.5 | 104.1 | 102.7 | 102.2 | 105.2 | 102.2 | 101.8 |
Balance Sheet
Total Assets$6.9B
Total Deposits$5.9B
Total Loans$6.0B
Total Equity$779.2M
Profitability
ROA0.90%
ROE7.53%
Efficiency Ratio63.45%
Net Income$49.6M
Risk & Asset Quality
NPL Ratio0.73%
Charge-off Rate0.13%
Loan/Deposit101.84%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans