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Profile Bank

Rochester, NH · Cert 28155 · Profile Bcorp MHC

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

31

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

Profile Bank

Rochester, NH · Cert 28155 · Profile Bcorp MHC

State charter, Fed member · FED · 5 branches

Q2 2026

$316.6MAssets
$199.0MLoans
$280.3MDeposits
$28.2MEquity
Loan mix
89%RE $172.6M7%C&I $14.3M3%Consumer $6.3MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $248.4M11%Noninterest $31.9MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #72 of 100 inst. · $0.2B of $580.3B

6.3% Strafford
2.3% Belknap
3.1% Carroll

Executive Summary

  • Earnings: ROA of 0.25%, up 28 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.27%, down 2 bps from a year ago.
  • Funding: loans stand at 70.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.25%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+44 bps YoY

Efficiency Ratio (YTD, annualized)

90.59%-1,048 bps YoY

Tier 1 Leverage Ratio

9.27%-2 bps YoY

NIM

3.43%Q2 ’243.67%Q2 ’254.00%Q2 ’26+15%+18%

Non-interest income vs. expense

2.51%Q2 ’242.76%Q2 ’252.96%Q2 ’26+13%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%-0.02%-0.10%-0.03%0.09%0.10%0.28%0.25%+28 bps
Return on Equity0.00%-0.25%-1.12%-0.34%0.99%1.13%3.13%2.76%+310 bps
Net Interest Margin2.25%2.32%2.43%2.52%2.50%2.63%2.96%2.96%+44 bps
Efficiency Ratio100.25%101.10%103.88%101.07%95.77%94.69%89.08%90.59%-1,048 bps
Non-Interest Burden2.26%2.34%2.53%2.55%2.39%2.48%2.61%2.66%+11 bps
Growth
Asset Growth (YoY)-0.23%-1.50%0.73%4.95%6.85%6.22%3.74%-0.12%-506 bps
Loan Growth (YoY)5.65%4.60%5.59%4.36%6.66%13.42%9.96%10.04%+568 bps
Deposit Growth (YoY)-2.04%-2.03%8.42%10.87%11.24%7.43%3.87%-2.65%-1,353 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.17%0.00%0.07%0.10%0.10%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.02%0.02%0.02%0.01%-1 bps
Allowance / Loans0.45%0.45%0.45%0.42%0.41%0.38%0.38%0.37%-5 bps
Allowance Coverage of NPLs17.1xn/a2.6xn/a5.5x3.6x3.7x23.1xn/a
Capital
Tier 1 Leverage Ratio9.31%9.43%9.29%9.29%8.75%8.91%9.17%9.27%-2 bps
Total Risk-Based Capital17.57%17.61%17.48%17.18%16.97%16.18%16.62%9.27%-791 bps
Equity / Assets9.22%9.25%9.16%8.67%8.72%8.88%9.07%8.92%+25 bps
Liquidity & Funding
Loans / Deposits66.79%67.99%65.20%62.80%64.04%71.78%69.03%70.98%+819 bps
Liquid Assets / Assets33.74%32.85%33.27%35.70%34.68%29.69%30.60%29.89%-582 bps
CRE / Total Capitaln/an/an/an/a266%258%258%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.

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

Profile Bank

Rochester, NH · Cert 28155 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Profile Bcorp MHC

State charter, Fed member · FED · 5 branches

Q2 2026

$316.6MAssets
$199.0MLoans
$280.3MDeposits
$28.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 7 of 29).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 29 of 29).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.24%

Rank 21 of 29

Net Interest Margin

2.96%

Rank 9 of 29

Efficiency Ratio

90.59%

Rank 21 of 29

Equity / Assets

8.92%

Rank 20 of 29

Non-interest income vs. expense

$0.9M$9.1MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 31% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 90.59%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.24%0.23%0.39%0.50%Beats 28%21 / 29
Return on Equity2.74%2.29%3.46%5.78%Beats 34%19 / 29
Net Interest Margin2.96%2.42%2.71%3.01%Beats 69%9 / 29
Efficiency Ratio90.59%78.96%84.14%93.09%Beats 31%21 / 29
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.13%0.43%Beats 79%7 / 29
Net Charge-Offs / Loans0.01%n/a0.00%0.00%Beats 10%27 / 29
Capital
Tier 1 Capital Ratio9.27%11.54%13.48%16.99%Beats 0%29 / 29
Total Risk-Based Capital Ratio9.27%11.54%14.44%17.87%Beats 0%29 / 29
Equity / Assets8.92%8.70%9.70%11.05%Beats 31%20 / 29
Liquidity & Funding
Loans / Deposits70.98%84.22%92.17%95.56%7th pctl26 / 28
Loans / Assets62.84%69.12%73.70%81.02%17th pctl24 / 29
Brokered Deposits / Depositsn/aNot reported for this institution