Leader Bank
Leader Bank reported total assets of $5.3 bn at Q2 2026, up 3.4% on a year earlier, the 278th largest of 497 banks in our US coverage. The CET1 capital ratio at Leader Bank was 19.80%, and the uninsured share of Leader Bank was 31.82%. Source: FDIC Call Reports.
Key takeaways
- Leader Bank reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.03% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- The net interest margin of Leader Bank, 2.52% at , places Leader Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 3.66%; FDIC Call Reports).
- On net interest margin, Leader Bank climbed from 496th to 458th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Leader Bank apart
- Few banks of $1 bn to $10 bn report a higher common equity tier 1 (CET1) ratio than Leader Bank, at 19.80% in against a group median of 13.22%.
- Leader Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.06%.
How large is Leader Bank?
The balance sheet of Leader Bank at : assets $5.3 bn, deposits $4.3 bn, net loans $4.3 bn (loans equal to 101.89% of deposits). Securities make up 5.4% of total assets at Leader Bank. Since , when Leader Bank held $1.0 bn, its assets grew 406.7%. In the year to , deposits at Leader Bank rose 2.8% while its total assets rose 3.4%. At , Leader Bank employed 464 full-time equivalent staff across 6 offices, about $11.4 mn of assets per employee and $710.4 mn of deposits per office.
How much funding at Leader Bank is uninsured?
At Leader Bank, uninsured deposits (above the FDIC limit) made up 31.82% of domestic deposits at (-1.09 pp on a year earlier); Leader Bank ranks 287th of 500 on this measure. In dollars, Leader Bank estimated $1.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.3 bn | +2.8% | 275th of 499 |
| Net loans and leases | $4.3 bn | +10.2% | 245th of 500 |
| Loan-to-deposit ratio | 101.89% | +6.85 pp | 43rd of 500 |
| Tier 1 leverage ratio | 11.58% | +0.69 pp | 118th of 500 |
| Total risk-based capital ratio | 21.06% | -1.19 pp | 33rd of 448 |
| Net interest margin | 2.52% | +0.36 pp | 458th of 500 |
| Return on assets (ROA) | 0.84% | +0.17 pp | 431st of 500 |
| Efficiency ratio | 63.41% | -0.10 pp | 374th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $3.1 mn | Narrowed by $366,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $37.3 mn | Narrowed by $3.0 mn | |
| Noncurrent loans to total loans | 0.03% | -0.01 pp | 17th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 38th of 500 (1 = lowest) |
US rank of Leader Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Leader Bank: assets, deposits and loans
- Total assets $5.3bn
- Deposits $4.3bn
- Net loans $4.3bn
Capital and securities
The CET1 ratio of Leader Bank stood at 19.80% in , -1.19 pp year on year. Low and high at Leader Bank since : 11.14% () to 21.57% (). Equity capital of Leader Bank at : $556.5 mn, or 10.5% of total assets. Leader Bank also reported a total capital ratio of 21.06% for , and a tier 1 leverage ratio of 11.58%.
On held-to-maturity securities, Leader Bank carried an unrealized loss of $3.1 mn at , equal to 0.6% of equity capital. The loss narrowed by $366,000 over the year. Its deepest point: $12.6 mn in . The available-for-sale portfolio of Leader Bank showed an unrealized loss of $37.3 mn at ; the loss narrowed by $3.0 mn over the year.
Leader Bank: capital ratios
- Total capital 21%
- CET1 20%
- Tier 1 leverage 12%
Leader Bank: unrealized securities gains and losses
- Available for sale -$37mn
- Held to maturity -$3mn
Profitability and loan quality
For the year to , Leader Bank earned a return on equity of 7.84%; return on assets: 0.84%. Net interest margin at Leader Bank: 2.52%, +0.36 pp in a year. Leader Bank net income: $21.5 mn, up 32.4% year on year. The efficiency ratio of Leader Bank was 63.41%: about 63 cents cost per revenue dollar, against 43 cents at the median peer.
At , noncurrent loans were 0.03% of total loans at Leader Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Leader Bank: $4.4 bn, up 10.2% in a year.
Leader Bank: profitability
- Return on equity 7.8%
- Net interest margin 2.5%
- Return on assets 0.8%
Peer group of Leader Bank
The peer group of Leader Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Leader Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Massachusetts. Against them, Leader Bank shows CET1 ratio 19.80% against a peer median of 12.40%, return on equity 7.84% against a peer median of 18.23% and uninsured deposit share 31.82% against a peer median of 26.98%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Celtic Bank | State nonmember bank | UT | $5.3 bn | not reported | 19.32% | 9.11% | |
| InterBank | State member bank | OK | $5.3 bn | not reported | 27.32% | 41.01% | |
| Southern Bank and Trust Company | State nonmember bank | NC | $5.3 bn | 12.68% | 17.13% | 47.66% | |
| Leader Bank | National bank | MA | $5.3 bn | 19.80% | 7.84% | 31.82% | |
| Alerus Financial | National bank | ND | $5.3 bn | 10.92% | 16.35% | 35.07% | |
| Northeast Bank | State nonmember bank | ME | $5.2 bn | 13.46% | 22.56% | 4.05% | |
| Southern Bank | State member bank | MO | $5.2 bn | 12.12% | 14.63% | 18.89% | |
. FDIC Call Reports.
Last eight quarters
Two years at Leader Bank, to : assets +15.4%, deposits +16.4%, equity +12.1%. Staff 391 to 464.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.6 bn | $4.6 bn | $4.9 bn | $5.1 bn | $5.1 bn | $5.0 bn | $5.1 bn | $5.3 bn |
| Total deposits | $3.7 bn | $3.7 bn | $4.0 bn | $4.1 bn | $4.2 bn | $3.9 bn | $4.0 bn | $4.3 bn |
| Bank equity capital | $496.6 mn | $498.8 mn | $508.7 mn | $518.3 mn | $530.4 mn | $539.1 mn | $546.8 mn | $556.5 mn |
| CET1 ratio | 18.28% | 18.60% | 18.62% | 20.99% | 20.80% | 20.84% | 20.32% | 19.80% |
| Return on equity (ROE) | 4.95% | 4.98% | 5.19% | 6.37% | 7.04% | 7.11% | 6.53% | 7.84% |
| Uninsured share of domestic deposits | 36.00% | 33.33% | 32.21% | 32.91% | 31.14% | 29.05% | 32.47% | 31.82% |
| Full-time equivalent employees | 391 | 391 | 405 | 410 | 422 | 437 | 448 | 464 |
| Number of offices | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Leader Bank
- Total assets at Leader Bank changed by +26.4% in the quarter to 2022-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Leader Bank?
Leader Bank reported $5.3 bn at in its Call Report. That makes Leader Bank the 278th largest of 497 banks in our US coverage.
Is Leader Bank the same as its holding company?
No. This page covers Leader Bank, FDIC certificate 57134; LEADER BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Leader Bank profitable?
Leader Bank reported net income of $21.5 mn for the year to ; annualized return on equity: 7.84%. So yes: Leader Bank made a profit over these months.
When is data for Leader Bank next updated?
Figures from Leader Bank for are due after .
Where can I check the figures for Leader Bank?
In the FDIC BankFind Suite record for certificate 57134, and in the Call Reports of Leader Bank (RSSD ID 3109146) at the FFIEC Central Data Repository.