Walpole, NH · Cert 18030 · New Hampshire Mutual Bcorp
SI · FDIC · 2 affiliate banks · 7 branches (31 in holding)
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 | 0.75% | 0.73% | 0.65% | 0.79% | 0.83% | 0.86% | 0.79% | 0.91% | +13 bps | |
| Return on Equity | 11.04% | 10.56% | 9.26% | 10.99% | 11.21% | 11.51% | 10.46% | 11.95% | +96 bps | |
| Net Interest Margin | 3.26% | 3.33% | 3.45% | 3.58% | 3.71% | 3.74% | 3.77% | 3.91% | +34 bps | |
| Efficiency Ratio | 73.82% | 74.02% | 76.22% | 73.48% | 73.00% | 69.34% | 73.84% | 71.29% | -219 bps | |
| Non-Interest Burden | 2.29% | 2.34% | 2.54% | 2.51% | 2.58% | 2.45% | 2.67% | 2.67% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.18% | 6.89% | 5.30% | 5.35% | 3.13% | 7.84% | 6.01% | 6.46% | +111 bps | |
| Loan Growth (YoY) | -0.53% | 0.51% | 2.99% | 1.46% | 3.55% | 2.90% | 4.32% | 6.65% | +519 bps | |
| Deposit Growth (YoY) | 7.14% | 8.60% | 8.45% | 8.13% | 6.09% | 6.95% | 5.44% | 6.26% | -188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.34% | 0.31% | 0.23% | 0.27% | 0.55% | 0.53% | 0.26% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.05% | 0.01% | 0.12% | 0.28% | 0.00% | -0.11% | -12 bps | |
| Allowance / Loans | 0.99% | 0.99% | 1.00% | 1.00% | 0.97% | 0.97% | 0.97% | 0.99% | -1 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.9x | 3.2x | 4.3x | 3.7x | 1.8x | 1.8x | 3.8x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.31% | 8.45% | 8.47% | 8.54% | 8.51% | 8.63% | 8.66% | +19 bps | |
| Total Risk-Based Capital | 13.67% | 14.00% | 14.17% | 14.14% | 14.34% | 14.81% | 14.75% | 14.62% | +48 bps | |
| Equity / Assets | 6.89% | 6.90% | 7.06% | 7.26% | 7.47% | 7.56% | 7.59% | 7.69% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.22% | 82.41% | 80.54% | 81.50% | 81.23% | 79.29% | 79.69% | 81.80% | +30 bps | |
| Liquid Assets / Assets | 2.50% | 2.66% | 6.47% | 2.71% | 6.21% | 8.45% | 7.03% | 4.40% | +169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 242% | 238% | 244% | n/a | n/a | |