Claremont, NH · Cert 18038
SI · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15%1 | 0.38% | 0.24% | 0.60% | 0.46% | 0.40% | 0.35% | 0.34% | -26 bps | |
| Return on Equity | 1.27% | 3.21% | 2.01% | 5.12% | 3.91% | 3.42% | 3.00% | 2.96% | -217 bps | |
| Net Interest Margin | 2.53% | 2.49% | 2.60% | 2.74% | 2.73% | 2.81% | 2.79% | 2.86% | +12 bps | |
| Efficiency Ratio | 96.08% | 90.73% | 93.21% | 87.66% | 86.24% | 83.90% | 88.28% | 88.58% | +91 bps | |
| Non-Interest Burden | 2.42% | 2.21% | 2.39% | 2.33% | 2.27% | 2.26% | 2.39% | 2.46% | +13 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 / Loans | 0.59% | 0.62% | 0.63% | 0.48% | 0.42% | 0.41% | 0.40% | 0.45% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.04% | 0.00% | 0.00% | 0.13% | -0.03% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.91% | 0.89% | 0.86% | 0.84% | 0.85% | 0.85% | 0.89% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.4x | 1.8x | 2.0x | 2.1x | 2.1x | 2.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.47% | 13.07% | 12.95% | 12.73% | 12.51% | 12.55% | 12.47% | 12.40% | -33 bps | |
| Total Risk-Based Capital | 13.47% | 13.07% | 12.95% | 12.73% | 12.51% | 12.55% | 12.47% | 12.40% | -33 bps | |
| Equity / Assets | 11.84% | 12.12% | 11.96% | 11.62% | 11.78% | 11.55% | 11.60% | 11.70% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.27% | 103.89% | 102.55% | 102.36% | 104.98% | 103.42% | 104.44% | 103.52% | +116 bps | |
| Liquid Assets / Assets | 12.10% | 6.56% | 5.91% | 8.53% | 7.66% | 8.22% | 7.73% | 5.99% | -254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 136.31% | 150.97% | 150.68% | n/a | n/a | |