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
Unfavorable gap of $15.7M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 0.59% | 0.91% | 1.33% | Beats 10% | 790 / 877 | |
| Return on Equity | 3.18% | 5.70% | 9.44% | 12.92% | Beats 15% | 745 / 875 | |
| Net Interest Margin | 2.56% | 2.93% | 3.45% | 4.01% | Beats 12% | 772 / 877 | |
| Efficiency Ratio | 91.96% | 58.83% | 68.07% | 78.03% | Beats 9% | 798 / 877 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.06% | 0.40% | 1.05% | Beats 70% | 265 / 870 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 27% | 635 / 870 | |
| Capital |
| Tier 1 Capital Ratio | 15.88% | 11.42% | 13.82% | 17.56% | Beats 65% | 306 / 877 | |
| Total Risk-Based Capital Ratio | 16.95% | 11.77% | 14.35% | 18.30% | Beats 68% | 282 / 877 | |
| Equity / Assets | 6.09% | 8.27% | 10.06% | 12.60% | Beats 6% | 821 / 877 | |
| Liquidity & Funding |
| Loans / Deposits | 85.96% | 61.05% | 77.58% | 89.60% | 66th pctl | 296 / 877 | |
| Loans / Assets | 67.61% | 53.01% | 66.67% | 76.13% | 52nd pctl | 414 / 870 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |