Bedford, NH · Cert 59086
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 3.9% share · #4 of 24 inst. · $0.6B 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 | 1.44% | 1.51% | 1.37% | 1.56% | 1.65% | 1.62% | 1.31% | 1.75% | +19 bps | |
| Return on Equity | 11.01% | 11.38% | 9.54% | 10.77% | 11.30% | 10.96% | 8.36% | 11.14% | +36 bps | |
| Net Interest Margin | 3.79% | 3.74% | 3.83% | 3.87% | 3.82% | 3.79% | 4.01% | 3.98% | +11 bps | |
| Efficiency Ratio | 44.69% | 43.70% | 47.79% | 44.63% | 42.51% | 43.09% | 47.75% | 45.63% | +100 bps | |
| Non-Interest Burden | 1.65% | 1.59% | 1.79% | 1.68% | 1.58% | 1.59% | 1.87% | 1.77% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 2.27% | 0.26% | 2.56% | 2.44% | 1.98% | 6.35% | 6.18% | +362 bps | |
| Loan Growth (YoY) | 3.44% | 1.78% | 3.26% | 4.13% | 7.07% | 6.51% | 6.60% | 8.45% | +432 bps | |
| Deposit Growth (YoY) | 1.23% | 0.48% | -0.77% | 1.82% | 0.70% | 0.27% | 5.31% | 5.10% | +328 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.41% | 0.54% | 0.60% | 2.23% | 0.98% | 1.45% | 1.31% | 1.48% | -75 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0.09% | +9 bps | |
| Allowance / Loans | 0.97% | 0.98% | 0.97% | 0.97% | 0.96% | 1.00% | 1.01% | 0.99% | +1 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.8x | 1.6x | 0.4x | 1.0x | 0.7x | 0.8x | 0.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.09% | 14.06% | 15.01% | 15.03% | 15.03% | 15.32% | 16.16% | 16.32% | +129 bps | |
| Total Risk-Based Capital | 16.04% | 16.45% | 16.88% | 16.78% | 16.65% | 17.13% | 17.49% | 17.40% | +62 bps | |
| Equity / Assets | 13.47% | 14.09% | 14.67% | 14.60% | 14.94% | 15.64% | 15.71% | 15.78% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.45% | 99.24% | 102.46% | 101.00% | 103.63% | 105.42% | 103.72% | 104.22% | +322 bps | |
| Liquid Assets / Assets | 15.28% | 14.53% | 12.64% | 13.48% | 11.26% | 10.03% | 11.95% | 11.10% | -239 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 429% | 411% | 409% | n/a | n/a | |