1.27%
+5.4%y/y
Peer standing44th percentile
FDIC
NETINC + ROATB
TruNorth Bank
Peabody, MassachusettsFDIC Cert #26484
STATEEstablished 188830 branches
Holding company: HOMETOWN FINANCIAL GROUP MHCRegulator: FED
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.
8.56%
+3.4%y/y
Peer standing21st percentile
FDIC
NETINC + ROE1.72%
+4.8%y/y
Peer standing58th percentile
FDIC
PTAXNETINC + ASSET4.45%
+10.8%y/y
Peer standing89th percentile
FDIC
NIM + NIMY6.05%
+3.2%y/y
Peer standing81st percentile
FDIC
INTINCY2.27%
−13.1%y/y
Peer standing75th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
49.46%
−7.4%y/y
Peer standing74th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.33%
+2.6%y/y
Peer standing50th percentile
FDIC
NONIX + ASSET7.65%
−4.6%y/y
Percentile by value12th percentileby value
FDIC
NONII + NIM+9.73%
−87.8%y/y
Percentile by value75th percentileby value
FDIC
ASSET+9.94%
−86.4%y/y
Percentile by value75th percentileby value
FDIC
DEP+6.22%
−91.6%y/y
Percentile by value49th 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 + ROA1.27%44th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE8.56%21st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY4.45%89th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.46%74th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+9.94%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+6.22%49th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.47%61st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ11.42%73rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
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 + DEPIDOM2.27%75th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC263%62nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
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 + ROA1.27%94th 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 + ROE8.56%86th 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 + NIMY4.45%98th 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 + EEFFR49.46%98th 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+9.94%83rd 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+6.22%69th 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 + LNLSGR0.47%47th 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
RBC1AAJ11.42%63rd 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 + DEPIDOM2.27%76th 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 + RBC263%70th 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 + ROA1.27%91st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.26%Median 0.70%90th 1.23%Observations 12
ROE
FDIC
NETINC + ROE8.56%91st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.45%Median 5.65%90th 8.50%Observations 12
NIM
FDIC
NIM + NIMY4.45%91st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.04%Median 2.74%90th 4.39%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.46%82nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.20%Median 69.37%90th 77.05%Observations 12
Deposits YoY
FDIC
DEP+9.94%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.16%Median +1.22%90th +9.60%Observations 12
Loans YoY
FDIC
LNLSNET+6.22%55th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.57%Median +5.24%90th +9.40%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.47%55th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.54%90th 0.97%Observations 12
Leverage
FDIC
RBC1AAJ11.42%55th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.28%Median 11.23%90th 14.31%Observations 12
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 + DEPIDOM2.27%91st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.27%Median 3.23%90th 4.52%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC263%64th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 135%Median 238%90th 338%Observations 12
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.