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Sugar River Bank

Newport, NH · Cert 18028 · Sugar River Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=748 to 752). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

23

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 2026-10-10

Sugar River Bank

Newport, NH · Cert 18028 · Sugar River Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

$424.3MAssets
$293.5MLoans
$364.3MDeposits
$49.0MEquity
Loan mix
95%RE $266.9M4%C&I $12.3M1%Consumer $2.4MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $283.2M22%Noninterest $81.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.64%, up 13 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.33% of loans (-17 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 14.13%, up 1 bps from a year ago.
  • Funding: loans stand at 80.55% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+24 bps YoY

Efficiency Ratio (YTD, annualized)

76.51%-208 bps YoY

Tier 1 Leverage Ratio

14.13%+1 bps YoY

NIM

4.25%Q2 ’244.39%Q2 ’254.49%Q2 ’26+7%+7%

Non-interest income vs. expense

2.96%Q2 ’242.92%Q2 ’253.02%Q2 ’260%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.43%0.54%0.51%0.56%0.58%0.63%0.64%+13 bps
Return on Equity4.31%4.10%5.02%4.79%5.10%5.30%5.50%5.59%+80 bps
Net Interest Margin3.05%3.01%3.21%3.25%3.25%3.25%3.49%3.49%+24 bps
Efficiency Ratio82.29%83.10%79.81%78.59%77.92%77.59%77.04%76.51%-208 bps
Non-Interest Burden2.43%2.41%2.47%2.45%2.43%2.42%2.59%2.56%+11 bps
Growth
Asset Growth (YoY)6.80%2.34%0.81%2.77%-1.22%3.48%4.01%4.88%+212 bps
Loan Growth (YoY)4.65%5.41%3.44%3.21%2.08%3.42%3.44%5.22%+201 bps
Deposit Growth (YoY)7.93%8.94%4.54%5.82%1.95%3.79%5.19%5.98%+16 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.38%0.39%0.50%0.37%0.18%0.35%0.33%-17 bps
Net Charge-Offs / Loans0.18%0.16%0.10%0.15%0.32%0.43%0.08%0.03%-12 bps
Allowance / Loans0.82%0.82%0.84%0.87%0.74%0.56%0.58%0.61%-26 bps
Allowance Coverage of NPLs1.8x2.1x2.1x1.8x2.0x3.2x1.7x1.9x+0.1x
Capital
Tier 1 Leverage Ratio13.83%13.74%13.95%14.12%14.17%14.08%14.07%14.13%+1 bps
Total Risk-Based Capital13.83%13.74%13.95%14.12%14.17%14.08%14.07%14.13%+1 bps
Equity / Assets10.76%10.49%10.88%10.89%11.43%11.40%11.50%11.56%+67 bps
Liquidity & Funding
Loans / Deposits81.17%81.81%81.23%81.13%81.27%81.52%79.87%80.55%-58 bps
Liquid Assets / Assets5.92%3.80%4.24%4.93%4.47%5.44%6.27%6.85%+191 bps
CRE / Total Capitaln/an/an/an/a78.84%83.09%82.32%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 2026-10-10

Sugar River Bank

Newport, NH · Cert 18028 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Sugar River Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

$424.3MAssets
$293.5MLoans
$364.3MDeposits
$49.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 63% of banks under $1B in assets operating in a single state (rank 280 of 752).
  • Widest gap: return on equity trails 81% of banks under $1B in assets operating in a single state (rank 607 of 752).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.63%

Rank 598 of 752

Net Interest Margin

3.49%

Rank 463 of 752

Efficiency Ratio

76.51%

Rank 578 of 752

Equity / Assets

11.56%

Rank 280 of 752

Non-interest income vs. expense

$1.9M$12.6MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 23% of banks under $1B in assets operating in a single state
Bank 76.51%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.63%0.72%1.07%1.45%Beats 20%598 / 752
Return on Equity5.49%6.78%10.58%13.65%Beats 19%607 / 752
Net Interest Margin3.49%3.18%3.69%4.17%Beats 38%463 / 752
Efficiency Ratio76.51%55.75%64.49%75.47%Beats 23%578 / 752
Asset Quality
Nonperforming Loans / Loans0.33%0.09%0.42%1.03%Beats 57%325 / 748
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 28%536 / 748
Capital
Tier 1 Capital Ratio14.13%11.55%13.75%17.60%Beats 53%353 / 752
Total Risk-Based Capital Ratio14.13%11.70%14.33%18.47%Beats 47%396 / 752
Equity / Assets11.56%8.93%10.56%13.13%Beats 63%280 / 752
Liquidity & Funding
Loans / Deposits80.55%62.23%78.64%91.26%54th pctl349 / 752
Loans / Assets69.16%54.61%67.41%76.47%55th pctl340 / 752
Brokered Deposits / Depositsn/aNot reported for this institution