Merrimack County Savings Bank
Concord, NH · Cert 17960 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · New Hampshire Mutual Bcorp
SI · FDIC · 2 affiliate banks · 9 branches (31 in holding)
Q2 2026
$1.4BAssets
$1.2BLoans
$1.2BDeposits
$125.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 52% of banks $1B-$10B in assets operating in a single state (rank 125 of 258).
- Widest gap: return on assets trails 95% of banks $1B-$10B in assets operating in a single state (rank 244 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.47%
Rank 244 of 258
Net Interest Margin
3.20%
Rank 184 of 258
Efficiency Ratio
76.03%
Rank 226 of 257
Equity / Assets
8.93%
Rank 204 of 258
Non-interest income vs. expense
Unfavorable gap of $32.9M · 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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.93% | 1.23% | 1.54% | Beats 5% | 244 / 258 | | |
| Return on Equity | 5.25% | 9.26% | 11.84% | 14.74% | Beats 7% | 239 / 258 | | |
| Net Interest Margin | 3.20% | 3.16% | 3.49% | 3.88% | Beats 29% | 184 / 258 | | |
| Efficiency Ratio | 76.03% | 51.71% | 60.30% | 69.65% | Beats 12% | 226 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.19% | 0.46% | 0.90% | Beats 31% | 178 / 258 | | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.02% | 0.07% | Beats 21% | 205 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.75% | 11.41% | 12.98% | 15.12% | Beats 46% | 139 / 258 | | |
| Total Risk-Based Capital Ratio | 14.00% | 12.10% | 13.91% | 16.08% | Beats 52% | 125 / 258 | | |
| Equity / Assets | 8.93% | 9.09% | 10.24% | 11.72% | Beats 21% | 204 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.80% | 73.24% | 86.34% | 95.95% | 86th pctl | 36 / 258 | | |
| Loans / Assets | 84.23% | 63.01% | 72.27% | 78.40% | 93rd pctl | 19 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |