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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