Claremont, NH · Cert 18038
SI · FDIC · 4 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.44% | 0.43% | 0.35% | 0.35% | -8 bps | |
| Return on Equity | 3.58% | 3.69% | 3.62% | 3.00% | 2.98% | -60 bps | |
| Net Interest Margin | 2.63% | 2.62% | 2.66% | 2.79% | 2.81% | +17 bps | |
| Efficiency Ratio | 90.33% | 88.92% | 87.59% | 88.28% | 88.43% | -190 bps | |
| Non-Interest Burden | 2.32% | 2.27% | 2.26% | 2.39% | 2.41% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.18% | 4.52% | 10.97% | 7.65% | 3.66% | -953 bps | |
| Loan Growth (YoY) | 9.73% | 12.29% | 10.31% | 6.04% | 6.91% | -282 bps | |
| Deposit Growth (YoY) | 10.09% | 2.98% | 10.81% | 4.12% | 5.72% | -437 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.42% | 0.41% | 0.40% | 0.45% | -3 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.02% | -0.03% | -0.02% | +1 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.85% | 0.85% | 0.89% | +3 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 2.1x | 2.1x | 2.0x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.73% | 12.51% | 12.55% | 12.47% | 12.40% | -33 bps | |
| Total Risk-Based Capital | 12.73% | 12.51% | 12.55% | 12.47% | 12.40% | -33 bps | |
| Equity / Assets | 11.62% | 11.78% | 11.55% | 11.60% | 11.70% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.36% | 104.98% | 103.42% | 104.44% | 103.52% | +116 bps | |
| Liquid Assets / Assets | 8.53% | 7.66% | 8.22% | 7.73% | 5.99% | -254 bps | |
| CRE / Total Capital | n/a | 136.31% | 150.97% | 150.68% | n/a | n/a | |