Primary Bank
Bedford, NH · Cert 59086 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 4 branches
Q2 2026
$769.5MAssets
$671.4MLoans
$644.2MDeposits
$121.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets (rank 44 of 629).
- Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets (rank 471 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.69%
Rank 114 of 629
Net Interest Margin
3.98%
Rank 173 of 629
Efficiency Ratio
45.63%
Rank 44 of 629
Equity / Assets
15.78%
Rank 124 of 629
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.60% | 1.01% | 1.45% | Beats 82% | 114 / 629 | | |
| Return on Equity | 10.74% | 5.38% | 9.30% | 13.28% | Beats 59% | 260 / 629 | | |
| Net Interest Margin | 3.98% | 3.03% | 3.54% | 4.05% | Beats 72% | 173 / 629 | | |
| Efficiency Ratio | 45.63% | 58.35% | 67.79% | 79.08% | Beats 93% | 44 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.48% | 0.09% | 0.46% | 1.20% | Beats 19% | 471 / 581 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 30% | 408 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.36% | 11.24% | 13.84% | 18.77% | Beats 67% | 210 / 629 | | |
| Total Risk-Based Capital Ratio | 17.40% | 11.58% | 14.43% | 19.66% | Beats 69% | 198 / 629 | | |
| Equity / Assets | 15.78% | 9.09% | 10.65% | 13.80% | Beats 80% | 124 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.22% | 67.24% | 80.90% | 93.48% | 91st pctl | 53 / 594 | | |
| Loans / Assets | 87.25% | 53.31% | 67.71% | 78.15% | 95th pctl | 29 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |