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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Leader Bank National Association

Arlington, Massachusetts · $5.28B in assets · beside the 11 other Massachusetts banks between $3B and $10B

The filing

0.03%
NPA / loans
1st of 12
33.1x
Coverage of noncurrent
1st of 12
+10.2%
Loans, year over year
2nd of 12, largest first

Leader Bank National Association is the sixth largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $5.28B in assets at 30 June 2026. Loans are 102.9% of deposits, 7th of 12 against a median of 102.7%, and equity is 10.5% of assets, 9th of 12. Loans grew +10.2% in the year, 2nd of 12, and deposits grew 2.8%; the cohort's median loan growth is +3.5%.

Noncurrent loans are 0.03% of the book, the lowest in the cohort against a median of 0.57%; 0.06% is 30 to 89 days past due, and the allowance covers them 33.1 times. Commercial real estate is 32.3% of loans, 5th of 12 against a median of 33.5%, and 229% of capital, below the 300% screen, with construction at 26% against the 100% screen.

Return on assets is 0.85%, 7th of 12 against a median of 0.92%, on an efficiency ratio of 63.4%, 6th of 12. Five years ago it was 3.05%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansMA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.57% LB Leader Bank National Association 0.03% IS Institution Savings Newburyport & 0.04% MS Middlesex Savings Bank 0.33% NB Needham Bank 0.43% CC Cape Cod Five Cents Savings Bank 0.47% P Peoplesbank 0.57% TB Trunorth Bank 0.58% BC Bristol County Savings Bank 0.60% Uf Unibank for Savings 0.62% HI Hingham Institution for Savings 0.78% CS Cambridge Savings Bank 1.26% NB Northern Bank & Trust Co. 2.07%
Loans, year over yearMA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.5% NB Needham Bank +42.8% LB Leader Bank National Association +10.2% BC Bristol County Savings Bank +8.9% TB Trunorth Bank +7.5% MS Middlesex Savings Bank +6.4% NB Northern Bank & Trust Co. +3.8% P Peoplesbank +3.1% Uf Unibank for Savings +3.1% IS Institution Savings Newburyport & +2.6% CS Cambridge Savings Bank +0.9% HI Hingham Institution for Savings -0.7% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Leader Bank National Association is the 10th largest 7(a) lender into Massachusetts of 309, with $126M across 675 loans, 2.0% of everything approved in the state (Eastern Bank leads with $778M). 10 of its 83 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Middlesex, MA$70M4th of 1904.5%+2.5 pts
Suffolk, MA$25M8th of 1303.9%+5.4 pts
Nash, NC$15M1st of 4414.0%thin
Norfolk, MA$11M16th of 1451.5%-1.2 pts
Worcester, MA$7M26th of 1400.9%-0.1 pts
Chippewa, WI$5M4th of 376.7%thin
Travis, TX$5M92nd of 2390.2%thin
Wake, NC$5M52nd of 1810.3%thin
Maricopa, AZ$5M122nd of 3030.1%thin
Montgomery, TX$5M52nd of 1650.4%thin
Essex, MA$5M34th of 1290.6%-0.7 pts
Plymouth, MA$3M39th of 1070.6%-0.0 pts
Denver, CO$3M77th of 1930.2%thin
70 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade189$43M20.3%0.07%199th of 2,589
Professional & technical services142$40M18.7%0.12%111th of 1,955
Construction65$32M15.1%0.10%154th of 2,063
Manufacturing31$22M10.2%0.05%286th of 2,246
Health care & social assistance64$17M7.9%0.04%285th of 2,172
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Leader Bank National Association
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Leader Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen229%7th of 12212%
Construction against capital, the 100% screen26%7th of 1226%
Construction and land development, share of loans3.7%5th of 124.2%
Non-owner-occupied nonfarm nonresidential, share of loans15.0%3rd of 1218.3%
Total CRE, the guidance definition, share of loans32.3%5th of 1233.5%
CRE growth over 36 months, the third prong+15.0%8th of 12+7.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Peoplesbank$4.62B0.4%72.0%0.57%0.21%0.6%100.3%8.9%
Hingham Institution for Savings$4.56B1.2%36.3%0.78%0.00%0.8%150.5%11.1%
Northern Bank & Trust Co.$3.38B1.9%47.1%2.07%0.07%2.2%102.9%14.1%
Trunorth Bank$3.32B1.0%60.9%0.58%0.12%0.5%92.7%14.7%
Bristol County Savings Bank$3.26B0.6%77.5%0.60%0.06%0.9%103.5%14.4%
Unibank for Savings$3.11B1.0%58.1%0.62%0.01%1.4%83.6%7.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Leader Bank National AssociationCohort median
20212026Change20212026Change
Loans$2.15B$4.38B+104%$2.29B$3.86B+69%
Deposits$2.22B$4.26B+92%$2.46B$3.44B+40%
NPA / loans0.02%0.03%+0.01 pts0.45%0.57%+0.13 pts
Efficiency34.6%63.4%+28.8 pts62.2%65.8%+3.6 pts
ROA3.05%0.85%-2.19 pts1.12%0.92%-0.20 pts

This read was prepared for Leader Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Leader Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.leaderbank.com/

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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