Woodsville, NH · Cert 18031
FDIC · 9 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.26% | 0.46% | 0.43% | 0.43% | 0.43% | 0.30% | 0.19% | -24 bps | |
| Return on Equity | 5.47% | 4.84% | 8.38% | 7.82% | 7.55% | 7.57% | 5.16% | 3.27% | -455 bps | |
| Net Interest Margin | 2.43% | 2.45% | 2.38% | 2.40% | 2.41% | 2.41% | 2.46% | 2.56% | +15 bps | |
| Efficiency Ratio | 90.43% | 91.64% | 84.89% | 84.88% | 84.50% | 84.65% | 88.56% | 91.96% | +708 bps | |
| Non-Interest Burden | 2.15% | 2.20% | 1.94% | 1.95% | 1.94% | 1.95% | 2.12% | 2.31% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.83% | 5.60% | 2.44% | -2.47% | 0.82% | -1.31% | -0.01% | -0.11% | +236 bps | |
| Loan Growth (YoY) | 6.02% | 3.69% | 1.95% | -1.50% | -2.63% | -4.33% | -5.43% | -4.34% | -283 bps | |
| Deposit Growth (YoY) | -0.04% | -3.45% | -8.17% | -10.02% | -7.00% | -5.76% | -1.02% | 1.03% | +1,105 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.15% | 0.19% | 0.20% | 0.21% | 0.19% | 0.19% | 0.13% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.03% | 0.01% | 0.08% | +7 bps | |
| Allowance / Loans | 0.83% | 0.84% | 0.81% | 0.81% | 0.82% | 0.80% | 0.82% | 0.83% | +2 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.8x | 4.3x | 4.2x | 4.0x | 4.2x | 4.4x | 6.6x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.10% | 8.17% | 8.23% | 8.34% | 8.37% | 8.36% | 8.38% | 8.54% | +20 bps | |
| Total Risk-Based Capital | 16.14% | 16.09% | 16.34% | 16.53% | 16.75% | 17.09% | 17.38% | 16.95% | +42 bps | |
| Equity / Assets | 4.64% | 5.50% | 5.43% | 5.51% | 6.14% | 5.63% | 6.01% | 6.09% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.59% | 85.39% | 89.52% | 90.78% | 88.57% | 86.69% | 85.53% | 85.96% | -483 bps | |
| Liquid Assets / Assets | 2.75% | 3.48% | 2.41% | 3.18% | 4.23% | 5.88% | 6.14% | 9.02% | +584 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |