$176M
−16.5%y/y
Percentile by value45th percentileby value
FDIC
ASSET4N
42 North Private Bank
Canton, MassachusettsFDIC Cert #27015
OCCEstablished 19672 branches
Holding company: 42 NORTH PRIVATE HOLDINGS INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call Report42 North Private Bank reported $176M in total assets. Deposits declined 12.52% over the prior year.
Return on assets was −4.00%, compared with an asset-peer median of 1.18%. The leverage ratio was 8.62%.
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$134M
−12.5%y/y
Percentile by value36th percentileby value
FDIC
DEP$149M
−9.2%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET−4.00%
−210 bpsy/y
Peer standing1st percentile
FDIC
NETINC + ROA448.91%
+25,350 bpsy/y
Peer standing0th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.62%
−20 bpsy/y
Peer standing8th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $248M | $223M |
| Q3 2021 | $239M | $212M |
| Q4 2021 | $234M | $208M |
| Q1 2022 | $226M | $200M |
| Q2 2022 | $205M | $179M |
| Q3 2022 | $210M | $157M |
| Q4 2022 | $221M | $163M |
| Q1 2023 | $221M | $163M |
| Q2 2023 | $229M | $172M |
| Q3 2023 | $234M | $167M |
| Q4 2023 | $235M | $179M |
| Q1 2024 | $235M | $169M |
| Q2 2024 | $231M | $168M |
| Q3 2024 | $217M | $154M |
| Q4 2024 | $210M | $151M |
| Q1 2025 | $211M | $154M |
| Q2 2025 | $187M | $136M |
| Q3 2025 | $177M | $133M |
| Q4 2025 | $178M | $135M |
| Q1 2026 | $176M | $134M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $4.95M |
| Investor CRE | $14.5M |
| Multifamily | $2.09M |
| Construction | $3.74M |
| 1–4 family | $113M |
| C&I | $0 |
| Agriculture | $0 |
| Other | $12M |
Peer comparison
How this bank compares
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.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Canton, MA
FDIC
OFFDOMOpen the Massachusetts dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data