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Meredith Village Savings Bank

Meredith, NH · Cert 17180 · New Hampshire Mutual Bcorp

SI · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Meredith Village Savings Bank

Meredith, NH · Cert 17180 · New Hampshire Mutual Bcorp

SI · FDIC · 2 affiliate banks · 15 branches (31 in holding)

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$157.5MEquity
Loan mix
87%RE $1.2B3%C&I $0.0B11%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.2B14%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.51%Q2 ’244.62%Q2 ’254.86%Q2 ’26+8%+17%

Non-interest income vs. expense

2.26%Q2 ’242.68%Q2 ’252.78%Q2 ’26+20%+6%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #84 of 100 inst. · $0.1B of $580.3B

26.3% Belknap
21.3% Carroll
4.5% Grafton
0.4% Rockingham

Executive Summary

  • Earnings: ROA of 0.56%, up 23 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.41% of loans (+5 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.26%, up 30 bps from a year ago.
  • Funding: loans stand at 107.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+45 bps YoY

Efficiency Ratio (YTD, annualized)

79.14%-738 bps YoY

Tier 1 Leverage Ratio

10.26%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.36%0.43%0.56%0.56%+23 bps
Return on Equity3.54%3.89%4.65%5.90%5.83%+229 bps
Net Interest Margin2.71%2.72%2.82%3.13%3.16%+45 bps
Efficiency Ratio86.52%85.70%83.37%78.66%79.14%-738 bps
Non-Interest Burden2.29%2.28%2.28%2.39%2.43%+14 bps
Growth
Asset Growth (YoY)-1.89%-0.18%0.69%2.03%2.20%+409 bps
Loan Growth (YoY)-4.52%-2.92%0.25%1.78%3.68%+820 bps
Deposit Growth (YoY)11.29%10.61%7.56%2.35%1.99%-930 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.41%0.30%0.37%0.41%+5 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.08%0.05%+3 bps
Allowance / Loans0.99%0.98%0.94%0.92%0.90%-8 bps
Allowance Coverage of NPLs2.7x2.4x3.1x2.5x2.2x-0.6x
Capital
Tier 1 Leverage Ratio9.96%9.80%10.02%10.00%10.26%+30 bps
Total Risk-Based Capital16.12%16.24%16.20%16.35%16.33%+22 bps
Equity / Assets9.17%9.28%9.52%9.58%9.58%+41 bps
Liquidity & Funding
Loans / Deposits105.30%105.28%108.46%107.02%107.05%+175 bps
Liquid Assets / Assets2.49%3.27%1.26%1.86%1.30%-118 bps
CRE / Total Capitaln/a186.40%193.76%193.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Meredith Village Savings Bank

Meredith, NH · Cert 17180 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · New Hampshire Mutual Bcorp

SI · FDIC · 2 affiliate banks · 15 branches (31 in holding)

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$157.5MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 76% of banks $1B-$10B in assets operating in a single state (rank 61 of 258).
  • Widest gap: return on assets trails 92% of banks $1B-$10B in assets operating in a single state (rank 237 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.55%

Rank 237 of 258

Net Interest Margin

3.16%

Rank 191 of 258

Efficiency Ratio

79.14%

Rank 233 of 257

Equity / Assets

9.58%

Rank 165 of 258

Non-interest income vs. expense

$5.8M$45.1MINCOMEEXPENSE
Unfavorable gap of $39.4M · efficiency ratio beats 10% of banks $1B-$10B in assets operating in a single state
Bank 79.14%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.93%1.23%1.54%Beats 8%237 / 258
Return on Equity5.75%9.26%11.84%14.74%Beats 9%234 / 258
Net Interest Margin3.16%3.16%3.49%3.88%Beats 26%191 / 258
Efficiency Ratio79.14%51.71%60.30%69.65%Beats 10%233 / 257
Asset Quality
Nonperforming Loans / Loans0.41%0.19%0.46%0.90%Beats 53%123 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 45%144 / 258
Capital
Tier 1 Capital Ratio15.09%11.41%12.98%15.12%Beats 74%67 / 258
Total Risk-Based Capital Ratio16.33%12.10%13.91%16.08%Beats 76%61 / 258
Equity / Assets9.58%9.09%10.24%11.72%Beats 36%165 / 258
Liquidity & Funding
Loans / Deposits107.05%73.24%86.34%95.95%92nd pctl20 / 258
Loans / Assets87.88%63.01%72.27%78.40%98th pctl5 / 258
Brokered Deposits / Depositsn/aNot reported for this institution