Laconia, NH · Cert 18012 · BNH Financial
State charter, Fed member · FED · 21 branches
Q2 2026
Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 1.8% share · #11 of 24 inst. · $0.3B of $15.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.66% | 0.75% | 0.79% | 0.87% | 0.92% | 0.95% | 0.99% | +20 bps | |
| Return on Equity | 6.50% | 6.10% | 6.81% | 7.12% | 7.77% | 8.17% | 8.23% | 8.46% | +134 bps | |
| Net Interest Margin | 2.49% | 2.48% | 2.62% | 2.70% | 2.78% | 2.78% | 3.09% | 3.11% | +40 bps | |
| Efficiency Ratio | 70.99% | 72.44% | 68.58% | 67.63% | 65.04% | 63.72% | 57.80% | 57.84% | -979 bps | |
| Non-Interest Burden | 1.57% | 1.61% | 1.61% | 1.62% | 1.59% | 1.55% | 1.54% | 1.55% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 4.30% | 7.23% | 5.70% | 5.49% | 4.77% | 5.93% | 6.11% | +41 bps | |
| Loan Growth (YoY) | 4.10% | 5.03% | 6.21% | 5.69% | 3.34% | 3.51% | 2.02% | 3.62% | -206 bps | |
| Deposit Growth (YoY) | 4.41% | 7.10% | 10.11% | 7.61% | 7.86% | 3.86% | 6.04% | 5.90% | -171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.05% | 0.05% | 0.05% | 0.05% | 0.06% | 0.34% | 0.63% | +59 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.17% | 1.17% | 1.19% | 1.20% | 1.29% | 1.33% | +17 bps | |
| Allowance Coverage of NPLs | 44.0x | 22.5x | 22.8x | 24.6x | 25.2x | 20.2x | 3.8x | 2.1x | -22.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.39% | 11.27% | 11.33% | 11.49% | 11.59% | 11.54% | 11.77% | 12.08% | +59 bps | |
| Total Risk-Based Capital | 14.42% | 14.04% | 14.06% | 13.95% | 14.26% | 14.40% | 14.78% | 15.00% | +105 bps | |
| Equity / Assets | 11.11% | 10.84% | 11.07% | 11.42% | 11.39% | 11.59% | 11.46% | 12.10% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.34% | 92.82% | 92.25% | 95.07% | 91.35% | 92.51% | 88.76% | 93.03% | -205 bps | |
| Liquid Assets / Assets | 3.42% | 4.77% | 4.82% | 3.20% | 6.78% | 5.00% | 7.59% | 5.06% | +186 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 499% | 494% | 485% | n/a | n/a | |