Primary Bank
Bedford, NH · Cert 59086 · Peer group: banks under $1B in assets (n=570-617)
State charter, non-member · FDIC · 4 branches
Q2 2026
$769.5MAssets
$671.4MLoans
$644.2MDeposits
$121.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets (rank 38 of 617).
- Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets (rank 456 of 570).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.69%
Rank 108 of 617
Net Interest Margin
3.98%
Rank 170 of 617
Efficiency Ratio
45.63%
Rank 38 of 617
Equity / Assets
15.78%
Rank 116 of 617
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 94% 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% | 108 / 617 | | |
| Return on Equity | 10.74% | 5.30% | 9.43% | 13.30% | Beats 59% | 256 / 617 | | |
| Net Interest Margin | 3.98% | 3.04% | 3.54% | 4.05% | Beats 72% | 170 / 617 | | |
| Efficiency Ratio | 45.63% | 58.03% | 67.76% | 79.08% | Beats 94% | 38 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.48% | 0.09% | 0.48% | 1.27% | Beats 20% | 456 / 570 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 28% | 410 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 16.36% | 11.18% | 13.83% | 18.55% | Beats 66% | 207 / 617 | | |
| Total Risk-Based Capital Ratio | 17.40% | 11.56% | 14.39% | 19.39% | Beats 68% | 195 / 617 | | |
| Equity / Assets | 15.78% | 9.03% | 10.55% | 13.63% | Beats 81% | 116 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.22% | 64.77% | 79.70% | 93.06% | 91st pctl | 51 / 582 | | |
| Loans / Assets | 87.25% | 51.70% | 67.18% | 77.51% | 95th pctl | 28 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |