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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 $2.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $283.2M22%Noninterest $81.1MQ2 2025Q2 2026

NIM

4.29%Q2 ’244.42%Q2 ’254.52%Q2 ’26+7%+7%

Non-interest income vs. expense

2.94%Q2 ’242.91%Q2 ’253.03%Q2 ’26+0%+5%

Executive Summary

  • Earnings: ROA of 0.66%, up 16 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.33% of loans (-17 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.66%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+23 bps YoY

Efficiency Ratio (quarter, annualized)

75.99%-141 bps YoY

Tier 1 Leverage Ratio

14.13%+1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.64%0.67%0.63%0.66%+16 bps
Return on Equity4.55%5.72%5.87%5.50%5.69%+114 bps
Net Interest Margin3.28%3.31%3.43%3.49%3.51%+23 bps
Efficiency Ratio77.40%76.62%76.67%77.04%75.99%-141 bps
Non-Interest Burden2.43%2.41%2.52%2.59%2.55%+12 bps
Growth
Asset Growth (YoY)2.77%-1.22%3.48%4.01%4.88%+212 bps
Loan Growth (YoY)3.21%2.08%3.42%3.44%5.22%+201 bps
Deposit Growth (YoY)5.82%1.95%3.79%5.19%5.98%+16 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.37%0.18%0.35%0.33%-17 bps
Net Charge-Offs / Loans0.21%0.66%0.77%0.08%-0.01%-22 bps
Allowance / Loans0.87%0.74%0.56%0.58%0.61%-26 bps
Allowance Coverage of NPLs1.8x2.0x3.2x1.7x1.9x+0.1x
Capital
Tier 1 Leverage Ratio14.12%14.17%14.08%14.07%14.13%+1 bps
Total Risk-Based Capital14.12%14.17%14.08%14.07%14.13%+1 bps
Equity / Assets10.89%11.43%11.40%11.50%11.56%+67 bps
Liquidity & Funding
Loans / Deposits81.13%81.27%81.52%79.87%80.55%-58 bps
Liquid Assets / Assets4.93%4.47%5.44%6.27%6.85%+191 bps
CRE / Total Capitaln/a78.84%83.09%82.32%n/an/a