−4.00%
−110.9%y/y
Peer standing1st percentile
FDIC
NETINC + ROA4N
42 North Private Bank
Canton, MassachusettsFDIC Cert #27015
OCCEstablished 19672 branches
Holding company: 42 NORTH PRIVATE HOLDINGS INCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
−47.65%
−126.3%y/y
Peer standing0th percentile
FDIC
NETINC + ROE−3.96%
−109.1%y/y
Peer standing0th percentile
FDIC
PTAXNETINC + ASSET1.18%
−57.2%y/y
Peer standing0th percentile
FDIC
NIM + NIMY4.68%
−28.3%y/y
Peer standing17th percentile
FDIC
INTINCY4.44%
−9.7%y/y
Peer standing1st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
448.91%
+129.7%y/y
Peer standing0th percentile
FDIC
NONIX + NIM + NONII + EEFFR5.10%
+31.3%y/y
Peer standing3rd percentile
FDIC
NONIX + ASSET0.40%
+101.3%y/y
Percentile by value1st percentileby value
FDIC
NONII + NIM−16.49%
−65.6%y/y
Percentile by value0th percentileby value
FDIC
ASSET−12.52%
−34.9%y/y
Percentile by value1st percentileby value
FDIC
DEP−9.16%
+36.4%y/y
Percentile by value3rd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−4.00%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE−47.65%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY1.18%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR448.91%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−12.52%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−9.16%3rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%78th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ8.62%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.44%1st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC121%61st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−4.00%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.12%Median 0.58%90th 1.12%Observations 94
ROE
FDIC
NETINC + ROE−47.65%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.15%Median 5.41%90th 9.04%Observations 94
NIM
FDIC
NIM + NIMY1.18%1st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.22%Median 2.97%90th 3.89%Observations 94
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR448.91%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 58.12%Median 75.85%90th 93.70%Observations 94
Deposits YoY
FDIC
DEP−12.52%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.96%Median +3.50%90th +12.18%Observations 91
Loans YoY
FDIC
LNLSNET−9.16%2nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.59%Median +3.61%90th +15.78%Observations 90
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%90th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.45%90th 1.71%Observations 90
Leverage
FDIC
RBC1AAJ8.62%10th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.65%Median 10.47%90th 14.98%Observations 94
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.44%2nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.94%Median 2.66%90th 3.44%Observations 91
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC121%21st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 37%Median 214%90th 323%Observations 64
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−4.00%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.40%Median 0.33%90th 0.74%Observations 10
ROE
FDIC
NETINC + ROE−47.65%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.74%Median 2.95%90th 7.88%Observations 10
NIM
FDIC
NIM + NIMY1.18%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.85%Median 2.84%90th 4.03%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR448.91%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 68.64%Median 86.57%90th 135.27%Observations 10
Deposits YoY
FDIC
DEP−12.52%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.47%Median +4.89%90th +8.79%Observations 10
Loans YoY
FDIC
LNLSNET−9.16%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.42%Median +1.96%90th +7.31%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.17%Observations 10
Leverage
FDIC
RBC1AAJ8.62%11th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.60%Median 9.71%90th 15.16%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.44%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.91%Median 2.48%90th 3.53%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC121%60th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 23%Median 108%90th 216%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.