Norwich, VT · Cert 33418 · Ledyard Financial Group Inc.
National charter · OCC · 11 branches
Q2 2026
Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 0.1% share · #23 of 24 inst. · $0.0B of $15.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.47% | 0.60% | 0.62% | 0.65% | 0.70% | 0.66% | 0.71% | +9 bps | |
| Return on Equity | 5.16% | 6.14% | 8.24% | 8.60% | 9.04% | 9.76% | 9.05% | 9.72% | +112 bps | |
| Net Interest Margin | 2.03% | 2.07% | 2.43% | 2.37% | 2.36% | 2.37% | 2.65% | 2.68% | +31 bps | |
| Efficiency Ratio | 86.46% | 83.22% | 77.85% | 79.16% | 79.61% | 78.63% | 79.47% | 79.18% | +2 bps | |
| Non-Interest Burden | 1.53% | 1.41% | 1.46% | 1.48% | 1.50% | 1.46% | 1.70% | 1.70% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.52% | 11.24% | 9.08% | 9.53% | 9.63% | 11.52% | 7.00% | 7.84% | -168 bps | |
| Loan Growth (YoY) | 38.23% | 38.43% | 33.06% | 26.87% | 21.64% | 15.71% | 12.50% | 17.01% | -986 bps | |
| Deposit Growth (YoY) | 38.30% | 22.17% | 1.97% | 2.49% | 2.82% | 8.78% | 10.29% | 6.95% | +446 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.22% | 0.20% | 0.19% | 0.19% | 0.19% | 0.21% | 0.31% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.69% | 0.65% | 0.69% | 0.70% | 0.69% | 0.68% | 0.73% | 0.73% | +3 bps | |
| Allowance Coverage of NPLs | 3.6x | 2.9x | 3.4x | 3.7x | 3.6x | 3.6x | 3.5x | 2.4x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 8.55% | 8.45% | 8.22% | 8.05% | 8.10% | 8.18% | 8.27% | +5 bps | |
| Total Risk-Based Capital | 13.95% | 12.72% | 12.45% | 12.43% | 12.33% | 12.34% | 12.37% | 11.92% | -51 bps | |
| Equity / Assets | 7.44% | 7.34% | 7.22% | 7.04% | 7.08% | 7.18% | 7.38% | 7.37% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.39% | 71.45% | 76.14% | 76.98% | 76.17% | 76.00% | 77.67% | 84.22% | +724 bps | |
| Liquid Assets / Assets | 23.40% | 22.80% | 21.71% | 21.26% | 22.30% | 22.60% | 19.30% | 16.57% | -469 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 340% | 339% | 351% | n/a | n/a | |