Rochester, NH · Cert 28155 · Profile Bcorp MHC
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #72 of 100 inst. · $0.2B of $580.3B
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 | -0.03% | 0.09% | 0.10% | 0.28% | 0.25% | +28 bps | |
| Return on Equity | -0.34% | 0.99% | 1.13% | 3.13% | 2.76% | +310 bps | |
| Net Interest Margin | 2.52% | 2.50% | 2.63% | 2.96% | 2.96% | +44 bps | |
| Efficiency Ratio | 101.07% | 95.77% | 94.69% | 89.08% | 90.59% | -1,048 bps | |
| Non-Interest Burden | 2.55% | 2.39% | 2.48% | 2.61% | 2.66% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.95% | 6.85% | 6.22% | 3.74% | -0.12% | -506 bps | |
| Loan Growth (YoY) | 4.36% | 6.66% | 13.42% | 9.96% | 10.04% | +568 bps | |
| Deposit Growth (YoY) | 10.87% | 11.24% | 7.43% | 3.87% | -2.65% | -1,353 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.10% | 0.10% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | -1 bps | |
| Allowance / Loans | 0.42% | 0.41% | 0.38% | 0.38% | 0.37% | -5 bps | |
| Allowance Coverage of NPLs | n/a | 5.5x | 3.6x | 3.7x | 23.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 8.75% | 8.91% | 9.17% | 9.27% | -2 bps | |
| Total Risk-Based Capital | 17.18% | 16.97% | 16.18% | 16.62% | 9.27% | -791 bps | |
| Equity / Assets | 8.67% | 8.72% | 8.88% | 9.07% | 8.92% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.80% | 64.04% | 71.78% | 69.03% | 70.98% | +819 bps | |
| Liquid Assets / Assets | 35.70% | 34.68% | 29.69% | 30.60% | 29.89% | -582 bps | |
| CRE / Total Capital | n/a | 266% | 258% | 258% | n/a | n/a | |