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Claremont Savings Bank

Claremont, NH · Cert 18038

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 regionally (n=94). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer 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

Claremont Savings Bank

Claremont, NH · Cert 18038

SI · FDIC · 4 branches

Q2 2026

$619.7MAssets
$490.2MLoans
$473.6MDeposits
$72.5MEquity
Loan mix
92%RE $443.2M7%C&I $32.3M1%Consumer $4.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $403.0M15%Noninterest $70.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.35%, down 8 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.45% of loans (-3 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.40%, down 33 bps from a year ago.
  • Funding: loans stand at 103.52% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.35%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+17 bps YoY

Efficiency Ratio (YTD, annualized)

88.43%-190 bps YoY

Tier 1 Leverage Ratio

12.40%-33 bps YoY

NIM

4.05%Q2 ’244.40%Q2 ’254.52%Q2 ’26+14%+7%

Non-interest income vs. expense

2.84%Q2 ’242.91%Q2 ’253.00%Q2 ’26+7%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%10.46%10.24%0.43%0.44%0.43%0.35%0.35%-8 bps
Return on Equity3.91%3.74%2.01%3.58%3.69%3.62%3.00%2.98%-60 bps
Net Interest Margin2.34%2.31%2.60%2.63%2.62%2.66%2.79%2.81%+17 bps
Efficiency Ratio95.43%94.19%93.21%90.33%88.92%87.59%88.28%88.43%-190 bps
Non-Interest Burden2.21%2.15%2.39%2.32%2.27%2.26%2.39%2.41%+9 bps
Growth
Asset Growth (YoY)4.21%1.26%10.21%13.18%4.52%10.97%7.65%3.66%-953 bps
Loan Growth (YoY)1.00%3.73%9.14%9.73%12.29%10.31%6.04%6.91%-282 bps
Deposit Growth (YoY)-1.92%-0.47%8.16%10.09%2.98%10.81%4.12%5.72%-437 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.62%0.63%0.48%0.42%0.41%0.40%0.45%-3 bps
Net Charge-Offs / Loans0.00%0.00%-0.04%-0.02%-0.02%0.02%-0.03%-0.02%+1 bps
Allowance / Loans0.93%0.91%0.89%0.86%0.84%0.85%0.85%0.89%+3 bps
Allowance Coverage of NPLs1.6x1.5x1.4x1.8x2.0x2.1x2.1x2.0x+0.2x
Capital
Tier 1 Leverage Ratio13.47%13.07%12.95%12.73%12.51%12.55%12.47%12.40%-33 bps
Total Risk-Based Capital13.47%13.07%12.95%12.73%12.51%12.55%12.47%12.40%-33 bps
Equity / Assets11.84%12.12%11.96%11.62%11.78%11.55%11.60%11.70%+8 bps
Liquidity & Funding
Loans / Deposits96.27%103.89%102.55%102.36%104.98%103.42%104.44%103.52%+116 bps
Liquid Assets / Assets12.10%6.56%5.91%8.53%7.66%8.22%7.73%5.99%-254 bps
CRE / Total Capitaln/an/an/an/a136.31%150.97%150.68%n/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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Claremont Savings Bank

Claremont, NH · Cert 18038 · Peer group: banks under $1B in assets operating regionally (n=94)

SI · FDIC · 4 branches

Q2 2026

$619.7MAssets
$490.2MLoans
$473.6MDeposits
$72.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 82% of banks under $1B in assets operating regionally (rank 17 of 94).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets operating regionally (rank 90 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.35%

Rank 82 of 94

Net Interest Margin

2.81%

Rank 90 of 94

Efficiency Ratio

88.43%

Rank 86 of 94

Equity / Assets

11.70%

Rank 17 of 94

Non-interest income vs. expense

$3.7M$18.9MINCOMEEXPENSE
Unfavorable gap of $15.2M · efficiency ratio beats 10% of banks under $1B in assets operating regionally
Bank 88.43%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.35%0.82%1.19%1.46%Beats 13%82 / 94
Return on Equity2.96%7.85%11.84%14.03%Beats 7%87 / 94
Net Interest Margin2.81%3.42%3.81%4.18%Beats 4%90 / 94
Efficiency Ratio88.43%55.99%62.41%73.02%Beats 10%86 / 94
Asset Quality
Nonperforming Loans / Loans0.45%0.19%0.47%1.14%Beats 53%45 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 71%28 / 94
Capital
Tier 1 Capital Ratio12.40%10.28%11.95%15.07%Beats 53%44 / 94
Total Risk-Based Capital Ratio12.40%10.31%12.59%15.88%Beats 49%48 / 94
Equity / Assets11.70%8.98%10.21%11.41%Beats 82%17 / 94
Liquidity & Funding
Loans / Deposits103.52%72.62%84.44%94.55%90th pctl9 / 94
Loans / Assets79.11%62.50%72.84%78.99%76th pctl23 / 94
Brokered Deposits / Depositsn/aNot reported for this institution