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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 $4.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $403.0M15%Noninterest $70.5MQ2 2025Q2 2026

NIM

4.06%Q2 ’244.52%Q2 ’254.60%Q2 ’26+18%+4%

Non-interest income vs. expense

2.84%Q2 ’242.93%Q2 ’253.05%Q2 ’26+11%+6%

Executive Summary

  • Earnings: ROA of 0.34%, down 26 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.45% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.34%-26 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+12 bps YoY

Efficiency Ratio (quarter, annualized)

88.58%+91 bps YoY

Tier 1 Leverage Ratio

12.40%-33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.46%0.40%0.35%0.34%-26 bps
Return on Equity5.12%3.91%3.42%3.00%2.96%-217 bps
Net Interest Margin2.74%2.73%2.81%2.79%2.86%+12 bps
Efficiency Ratio87.66%86.24%83.90%88.28%88.58%+91 bps
Non-Interest Burden2.33%2.27%2.26%2.39%2.46%+13 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 / Loans0.48%0.42%0.41%0.40%0.45%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.13%-0.03%0.00%0 bps
Allowance / Loans0.86%0.84%0.85%0.85%0.89%+3 bps
Allowance Coverage of NPLs1.8x2.0x2.1x2.1x2.0x+0.2x
Capital
Tier 1 Leverage Ratio12.73%12.51%12.55%12.47%12.40%-33 bps
Total Risk-Based Capital12.73%12.51%12.55%12.47%12.40%-33 bps
Equity / Assets11.62%11.78%11.55%11.60%11.70%+8 bps
Liquidity & Funding
Loans / Deposits102.36%104.98%103.42%104.44%103.52%+116 bps
Liquid Assets / Assets8.53%7.66%8.22%7.73%5.99%-254 bps
CRE / Total Capitaln/a136.31%150.97%150.68%n/an/a