Newport, NH · Cert 18028 · Sugar River Bcorp MHC
SI · FDIC · 6 branches
Q2 2026
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 | 0.41% | 0.36% | 0.54% | 0.49% | 0.64% | 0.67% | 0.63% | 0.66% | +16 bps | |
| Return on Equity | 3.90% | 3.38% | 5.02% | 4.55% | 5.72% | 5.87% | 5.50% | 5.69% | +114 bps | |
| Net Interest Margin | 3.19% | 3.00% | 3.21% | 3.28% | 3.31% | 3.43% | 3.49% | 3.51% | +23 bps | |
| Efficiency Ratio | 79.79% | 85.41% | 79.81% | 77.40% | 76.62% | 76.67% | 77.04% | 75.99% | -141 bps | |
| Non-Interest Burden | 2.46% | 2.47% | 2.47% | 2.43% | 2.41% | 2.52% | 2.59% | 2.55% | +12 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 / Loans | 0.46% | 0.38% | 0.39% | 0.50% | 0.37% | 0.18% | 0.35% | 0.33% | -17 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.11% | 0.10% | 0.21% | 0.66% | 0.77% | 0.08% | -0.01% | -22 bps | |
| Allowance / Loans | 0.82% | 0.82% | 0.84% | 0.87% | 0.74% | 0.56% | 0.58% | 0.61% | -26 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.1x | 2.1x | 1.8x | 2.0x | 3.2x | 1.7x | 1.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.83% | 13.74% | 13.95% | 14.12% | 14.17% | 14.08% | 14.07% | 14.13% | +1 bps | |
| Total Risk-Based Capital | 13.83% | 13.74% | 13.95% | 14.12% | 14.17% | 14.08% | 14.07% | 14.13% | +1 bps | |
| Equity / Assets | 10.76% | 10.49% | 10.88% | 10.89% | 11.43% | 11.40% | 11.50% | 11.56% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.17% | 81.81% | 81.23% | 81.13% | 81.27% | 81.52% | 79.87% | 80.55% | -58 bps | |
| Liquid Assets / Assets | 5.92% | 3.80% | 4.24% | 4.93% | 4.47% | 5.44% | 6.27% | 6.85% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.84% | 83.09% | 82.32% | n/a | n/a | |