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
Unfavorable gap of $15.2M · efficiency ratio beats 10% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.82% | 1.19% | 1.46% | Beats 13% | 82 / 94 | | |
| Return on Equity | 2.96% | 7.85% | 11.84% | 14.03% | Beats 7% | 87 / 94 | | |
| Net Interest Margin | 2.81% | 3.42% | 3.81% | 4.18% | Beats 4% | 90 / 94 | | |
| Efficiency Ratio | 88.43% | 55.99% | 62.41% | 73.02% | Beats 10% | 86 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.19% | 0.47% | 1.14% | Beats 53% | 45 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 71% | 28 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 12.40% | 10.28% | 11.95% | 15.07% | Beats 53% | 44 / 94 | | |
| Total Risk-Based Capital Ratio | 12.40% | 10.31% | 12.59% | 15.88% | Beats 49% | 48 / 94 | | |
| Equity / Assets | 11.70% | 8.98% | 10.21% | 11.41% | Beats 82% | 17 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.52% | 72.62% | 84.44% | 94.55% | 90th pctl | 9 / 94 | | |
| Loans / Assets | 79.11% | 62.50% | 72.84% | 78.99% | 76th pctl | 23 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |