Berlin City Bank, The

Berlin, NH · Cert 14240 · Peer group: banks $1B-$10B in assets operating in a single state (n=280-281)

FDIC · 17 branches

Q4 2024

$1.2BAssets

$874.8MLoans

$977.5MDeposits

$89.6MEquity

Executive Summary

Strongest standing: total risk-based capital ratio outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 49 of 281).
Widest gap: equity / assets trails 89% of banks $1B-$10B in assets operating in a single state (rank 251 of 281).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.53%

Rank 215 of 281

Net Interest Margin

2.60%

Rank 199 of 281

Efficiency Ratio

83.67%

Rank 247 of 281

Equity / Assets

7.54%

Rank 251 of 281

Unfavorable gap of $26.2M · efficiency ratio beats 12% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.53%	0.56%	0.90%	1.25%	Beats 23%	215 / 281
Return on Equity	6.97%	6.02%	9.54%	12.57%	Beats 30%	195 / 280
Net Interest Margin	2.60%	2.56%	2.92%	3.42%	Beats 29%	199 / 281
Efficiency Ratio	83.67%	57.29%	66.60%	75.94%	Beats 12%	247 / 281
Asset Quality
Nonperforming Loans / Loans	0.34%	0.14%	0.36%	0.76%	Beats 52%	136 / 281
Net Charge-Offs / Loans	0.02%	0.01%	0.05%	0.16%	Beats 71%	82 / 281
Capital
Tier 1 Capital Ratio	15.90%	11.44%	13.17%	15.12%	Beats 81%	53 / 281
Total Risk-Based Capital Ratio	17.15%	12.18%	14.01%	16.01%	Beats 83%	49 / 281
Equity / Assets	7.54%	8.36%	9.62%	11.13%	Beats 11%	251 / 281
Liquidity & Funding
Loans / Deposits	89.50%	73.71%	85.86%	95.66%	59th pctl	116 / 281
Loans / Assets	73.64%	63.83%	71.78%	79.09%	55th pctl	127 / 281
Brokered Deposits / Deposits	n/a	Not reported for this institution