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Leader Bank, National Association
Arlington, MA·FDIC Cert #57134·Charter: OCC·Est. 20020508.0·HC: LEADER BCORP INC
Total Assets
$5.0B
Q4 2025
Return on Assets
0.75%
+0.01%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.53%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.75%+0.01
ROE
7.11%+0.07
Efficiency
61.53%+1.09
Equity/Assets
0.00%+0.00
NPL Ratio
0.03%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
104.82%+7.44
Charge-offs
0.00%+0.00
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 | 0.3 | 0.5 | 0.5 | 0.5 | 0.6 | 0.7 | 0.7 | 0.7 |
| ROE | 3.3 | 4.4 | 5.0 | 5.0 | 5.2 | 6.4 | 7.0 | 7.1 |
| Efficiency | 75.0 | 68.7 | 67.4 | 67.8 | 67.2 | 63.5 | 60.4 | 61.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 93.7 | 99.1 | 101.1 | 102.2 | 95.9 | 95.0 | 97.4 | 104.8 |
Balance Sheet
Total Assets$5.0B
Total Deposits$3.9B
Total Loans$4.1B
Total Equity$539.1M
Profitability
ROA0.75%
ROE7.11%
Efficiency Ratio61.53%
Net Income$36.9M
Risk & Asset Quality
NPL Ratio0.03%
Charge-off Rate0.00%
Loan/Deposit104.82%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans