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 (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 | 0.11% | -0.09% | -0.10% | 0.04% | 0.32% | 0.14% | 0.28% | 0.21% | +18 bps | |
| Return on Equity | 1.20% | -1.01% | -1.12% | 0.44% | 3.63% | 1.57% | 3.13% | 2.38% | +195 bps | |
| Net Interest Margin | 2.40% | 2.41% | 2.43% | 2.62% | 2.80% | 2.90% | 2.96% | 2.95% | +33 bps | |
| Efficiency Ratio | 95.53% | 103.53% | 103.88% | 98.44% | 86.76% | 91.86% | 89.08% | 92.06% | -638 bps | |
| Non-Interest Burden | 2.28% | 2.51% | 2.53% | 2.57% | 2.40% | 2.64% | 2.61% | 2.69% | +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 / Loans | 0.03% | 0.00% | 0.17% | 0.00% | 0.07% | 0.10% | 0.10% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.02% | 0.01% | 0.02% | 0.00% | -5 bps | |
| Allowance / Loans | 0.45% | 0.45% | 0.45% | 0.42% | 0.41% | 0.38% | 0.38% | 0.37% | -5 bps | |
| Allowance Coverage of NPLs | 17.1x | n/a | 2.6x | n/a | 5.5x | 3.6x | 3.7x | 23.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.43% | 9.29% | 9.29% | 8.75% | 8.91% | 9.17% | 9.27% | -2 bps | |
| Total Risk-Based Capital | 17.57% | 17.61% | 17.48% | 17.18% | 16.97% | 16.18% | 16.62% | 9.27% | -791 bps | |
| Equity / Assets | 9.22% | 9.25% | 9.16% | 8.67% | 8.72% | 8.88% | 9.07% | 8.92% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.79% | 67.99% | 65.20% | 62.80% | 64.04% | 71.78% | 69.03% | 70.98% | +819 bps | |
| Liquid Assets / Assets | 33.74% | 32.85% | 33.27% | 35.70% | 34.68% | 29.69% | 30.60% | 29.89% | -582 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 266% | 258% | 258% | n/a | n/a | |