Newport, NH · Cert 18028 · Sugar River Bcorp MHC
SI · FDIC · 6 branches
Q2 2026
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 | 0.45% | 0.43% | 0.54% | 0.51% | 0.56% | 0.58% | 0.63% | 0.64% | +13 bps | |
| Return on Equity | 4.31% | 4.10% | 5.02% | 4.79% | 5.10% | 5.30% | 5.50% | 5.59% | +80 bps | |
| Net Interest Margin | 3.05% | 3.01% | 3.21% | 3.25% | 3.25% | 3.25% | 3.49% | 3.49% | +24 bps | |
| Efficiency Ratio | 82.29% | 83.10% | 79.81% | 78.59% | 77.92% | 77.59% | 77.04% | 76.51% | -208 bps | |
| Non-Interest Burden | 2.43% | 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 / Loans | 0.46% | 0.38% | 0.39% | 0.50% | 0.37% | 0.18% | 0.35% | 0.33% | -17 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.16% | 0.10% | 0.15% | 0.32% | 0.43% | 0.08% | 0.03% | -12 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 | |