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Regulatory profile
Spencer, MA · FDIC certificate #90282 · RSSD 447100
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $2.6B | $1.9B | $1.9B | 0.63% | 6.96% | 3.46% |
| 2026-03-31 | $2.4B | $1.9B | $1.9B | 0.77% | 8.34% | 3.58% |
| 2025-12-31 | $1.8B | $1.4B | $1.4B | 0.48% | 5.41% | 2.54% |
| 2025-09-30 | $1.8B | $1.4B | $1.4B | 0.27% | 3.02% | 2.51% |
| 2025-06-30 | $1.7B | $1.3B | $1.4B | 0.34% | 3.76% | 2.43% |
| 2025-03-31 | $1.7B | $1.3B | $1.3B | 0.38% | 4.26% | 2.33% |
| 2024-12-31 | $1.7B | $1.3B | $1.3B | -0.18% | -2.23% | 2.26% |
| 2024-09-30 | $1.6B | $1.3B | $1.3B | 0.02% | 0.20% | 2.27% |
| 2024-06-30 | $1.6B | $1.3B | $1.3B | 0.16% | 2.06% | 2.30% |
| 2024-03-31 | $1.6B | $1.3B | $1.3B | 0.14% | 1.82% | 2.27% |
| 2023-12-31 | $1.6B | $1.3B | $1.3B | 0.27% | 3.46% | 2.56% |
| 2023-09-30 | $1.6B | $1.3B | $1.3B | 0.28% | 3.62% | 2.61% |
| 2023-06-30 | $1.5B | $1.2B | $1.3B | 0.31% | 3.97% | 2.69% |
| 2023-03-31 | $1.5B | $1.2B | $1.3B | 0.39% | 5.12% | 2.81% |
| 2022-12-31 | $1.5B | $1.3B | $1.2B | 0.52% | 6.54% | 3.14% |
| 2022-09-30 | $1.4B | $1.2B | $1.2B | 0.52% | 6.39% | 3.12% |
| 2022-06-30 | $1.4B | $1.2B | $1.2B | 0.53% | 6.51% | 3.04% |
| 2022-03-31 | $1.5B | $1.2B | $1.1B | 0.32% | 3.84% | 2.92% |
| 2021-12-31 | $1.4B | $1.2B | $1.1B | 0.57% | 6.74% | 3.03% |
| 2021-09-30 | $1.4B | $1.2B | $1.2B | 0.58% | 6.85% | 3.02% |
| 2021-06-30 | $1.4B | $1.2B | $1.2B | 0.61% | 7.27% | 3.04% |
| 2021-03-31 | $1.4B | $1.1B | $1.2B | 0.58% | 6.91% | 3.03% |
| 2020-12-31 | $1.3B | $1.1B | $1.2B | -0.11% | -1.14% | 2.97% |
| 2020-09-30 | $1.3B | $1.1B | $1.1B | -0.05% | -0.57% | 2.92% |
| 2020-06-30 | $1.3B | $1.0B | $1.1B | -0.13% | -1.29% | 2.92% |
| 2020-03-31 | $1.2B | $0.9B | $1.0B | 0.25% | 2.48% | 2.99% |
| 2019-12-31 | $1.2B | $0.9B | $1.0B | 0.48% | 4.75% | 2.99% |
| 2019-09-30 | $1.1B | $0.9B | $1.0B | 0.52% | 5.18% | 3.01% |
| 2019-06-30 | $1.1B | $0.9B | $1.0B | 0.59% | 5.86% | 3.02% |
| 2019-03-31 | $1.2B | $0.9B | $1.0B | 0.33% | 3.33% | 2.96% |
| 2018-12-31 | $1.2B | $0.9B | $1.0B | 0.34% | 3.43% | 3.07% |
| 2018-09-30 | $1.2B | $0.9B | $1.0B | 0.43% | 4.43% | 3.10% |
| 2018-06-30 | $1.1B | $0.9B | $1.0B | 0.43% | 4.47% | 3.13% |
| 2018-03-31 | $1.1B | $0.9B | $1.0B | 0.27% | 2.82% | 3.09% |
| 2017-12-31 | $1.1B | $0.9B | $1.0B | 0.27% | 2.88% | 3.14% |
| 2017-09-30 | $1.1B | $0.9B | $1.0B | 0.36% | 3.87% | 3.15% |
| 2017-06-30 | $1.1B | $0.9B | $1.0B | 0.27% | 2.96% | 3.15% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 3547038 · 2007-05-01 to current
2026-01-01RSSD 408307 → 447100 · code 1
2017-06-10RSSD 627407 → 447100 · code 1
1978-10-31RSSD 942100 → 447100 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.