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Woodsville Guaranty Savings Bank

Woodsville, NH · Cert 18031

FDIC · 9 branches

Q2 2025

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 2025, the quarter ended June 30, 2025, 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=870 to 877). 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

46

Q2 2024Q2 2025peer median (50)

Asset Quality

49

Q2 2024Q2 2025peer median (50)

Profitability

12

Q2 2024Q2 2025peer median (50)

Liquidity

61

Q2 2024Q2 2025peer median

Efficiency

9

Q2 2024Q2 2025peer 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 2026-10-11

Woodsville Guaranty Savings Bank

Woodsville, NH · Cert 18031

FDIC · 9 branches

Q2 2025

$669.2MAssets
$452.5MLoans
$526.4MDeposits
$40.8MEquity
Loan mix
93%RE $376.6M6%C&I $22.5M2%Consumer $7.2MQ2 2024Q2 2025
Deposit mix
84%Interest-bearing $439.6M16%Noninterest $86.7MQ2 2024Q2 2025

NIM

3.39%Q2 ’233.79%Q2 ’244.01%Q2 ’25-4%+6%

Non-interest income vs. expense

2.70%Q2 ’232.52%Q2 ’242.82%Q2 ’25-11%+18%

Executive Summary

  • Earnings: ROA of 0.19%, down 24 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.13% of loans (-7 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.54%, up 20 bps from a year ago.
  • Funding: loans stand at 85.96% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.19%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+15 bps YoY

Efficiency Ratio (YTD, annualized)

91.96%+708 bps YoY

Tier 1 Leverage Ratio

8.54%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.43%0.43%0.43%0.30%0.19%-24 bps
Return on Equity7.82%7.55%7.57%5.16%3.27%-455 bps
Net Interest Margin2.40%2.41%2.41%2.46%2.56%+15 bps
Efficiency Ratio84.88%84.50%84.65%88.56%91.96%+708 bps
Non-Interest Burden1.95%1.94%1.95%2.12%2.31%+36 bps
Growth
Asset Growth (YoY)-2.47%0.82%-1.31%-0.01%-0.11%+236 bps
Loan Growth (YoY)-1.50%-2.63%-4.33%-5.43%-4.34%-283 bps
Deposit Growth (YoY)-10.02%-7.00%-5.76%-1.02%1.03%+1,105 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.21%0.19%0.19%0.13%-7 bps
Net Charge-Offs / Loans0.01%0.01%0.03%0.01%0.08%+7 bps
Allowance / Loans0.81%0.82%0.80%0.82%0.83%+2 bps
Allowance Coverage of NPLs4.2x4.0x4.2x4.4x6.6x+2.5x
Capital
Tier 1 Leverage Ratio8.34%8.37%8.36%8.38%8.54%+20 bps
Total Risk-Based Capital16.53%16.75%17.09%17.38%16.95%+42 bps
Equity / Assets5.51%6.14%5.63%6.01%6.09%+58 bps
Liquidity & Funding
Loans / Deposits90.78%88.57%86.69%85.53%85.96%-483 bps
Liquid Assets / Assets3.18%4.23%5.88%6.14%9.02%+584 bps
CRE / Total Capitaln/an/an/an/an/an/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 2026-10-11

Woodsville Guaranty Savings Bank

Woodsville, NH · Cert 18031 · Peer group: banks under $1B in assets operating in a single state (n=870-877)

FDIC · 9 branches

Q2 2025

$669.2MAssets
$452.5MLoans
$526.4MDeposits
$40.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets operating in a single state (rank 265 of 870).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 821 of 877).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.19%

Rank 790 of 877

Net Interest Margin

2.56%

Rank 772 of 877

Efficiency Ratio

91.96%

Rank 798 of 877

Equity / Assets

6.09%

Rank 821 of 877

Non-interest income vs. expense

$3.5M$19.2MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state
Bank 91.96%Peer median 68.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.59%0.91%1.33%Beats 10%790 / 877
Return on Equity3.18%5.70%9.44%12.92%Beats 15%745 / 875
Net Interest Margin2.56%2.93%3.45%4.01%Beats 12%772 / 877
Efficiency Ratio91.96%58.83%68.07%78.03%Beats 9%798 / 877
Asset Quality
Nonperforming Loans / Loans0.13%0.06%0.40%1.05%Beats 70%265 / 870
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 27%635 / 870
Capital
Tier 1 Capital Ratio15.88%11.42%13.82%17.56%Beats 65%306 / 877
Total Risk-Based Capital Ratio16.95%11.77%14.35%18.30%Beats 68%282 / 877
Equity / Assets6.09%8.27%10.06%12.60%Beats 6%821 / 877
Liquidity & Funding
Loans / Deposits85.96%61.05%77.58%89.60%66th pctl296 / 877
Loans / Assets67.61%53.01%66.67%76.13%52nd pctl414 / 870
Brokered Deposits / Depositsn/aNot reported for this institution