Meredith, NH · Cert 17180 · New Hampshire Mutual Bcorp
SI · FDIC · 2 affiliate banks · 15 branches (31 in holding)
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #84 of 100 inst. · $0.1B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.67% | 0.30% | 0.34% | 0.42% | 0.64% | 0.56% | 0.55% | +21 bps | |
| Return on Equity | 4.58% | 7.51% | 3.34% | 3.73% | 4.58% | 6.85% | 5.90% | 5.76% | +203 bps | |
| Net Interest Margin | 2.55% | 2.66% | 2.60% | 2.77% | 2.89% | 3.05% | 3.13% | 3.16% | +40 bps | |
| Efficiency Ratio | 81.80% | 79.61% | 87.05% | 86.03% | 84.18% | 77.06% | 78.66% | 79.62% | -640 bps | |
| Non-Interest Burden | 2.02% | 2.02% | 2.21% | 2.32% | 2.37% | 2.26% | 2.39% | 2.44% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | -2.24% | -4.12% | -1.89% | -0.18% | 0.69% | 2.03% | 2.20% | +409 bps | |
| Loan Growth (YoY) | -1.52% | -4.15% | -6.13% | -4.52% | -2.92% | 0.25% | 1.78% | 3.68% | +820 bps | |
| Deposit Growth (YoY) | 0.37% | 2.61% | 9.59% | 11.29% | 10.61% | 7.56% | 2.35% | 1.99% | -930 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.43% | 0.42% | 0.36% | 0.41% | 0.30% | 0.37% | 0.41% | +5 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.03% | 0.02% | 0.00% | 0.08% | 0.03% | 0 bps | |
| Allowance / Loans | 1.03% | 0.98% | 0.99% | 0.99% | 0.98% | 0.94% | 0.92% | 0.90% | -8 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.3x | 2.4x | 2.7x | 2.4x | 3.1x | 2.5x | 2.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.69% | 9.65% | 9.96% | 9.80% | 10.02% | 10.00% | 10.26% | +30 bps | |
| Total Risk-Based Capital | 15.10% | 15.59% | 15.99% | 16.12% | 16.24% | 16.20% | 16.35% | 16.33% | +22 bps | |
| Equity / Assets | 8.82% | 8.96% | 9.17% | 9.17% | 9.28% | 9.52% | 9.58% | 9.58% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.96% | 116.37% | 107.62% | 105.30% | 105.28% | 108.46% | 107.02% | 107.05% | +175 bps | |
| Liquid Assets / Assets | 1.26% | 1.44% | 1.76% | 2.49% | 3.27% | 1.26% | 1.86% | 1.30% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.40% | 193.76% | 193.64% | n/a | n/a | |