Nashua, NH · Cert 59176
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 1.8% share · #10 of 24 inst. · $0.3B 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 | 0.05% | 0.11% | 0.20% | 0.17% | 0.27% | 0.38% | 0.63% | 0.64% | +48 bps | |
| Return on Equity | 0.42% | 1.00% | 1.77% | 1.56% | 2.60% | 3.67% | 6.37% | 6.69% | +513 bps | |
| Net Interest Margin | 2.37% | 2.50% | 2.72% | 2.60% | 2.48% | 2.55% | 3.00% | 2.92% | +32 bps | |
| Efficiency Ratio | 95.35% | 90.88% | 85.23% | 82.97% | 79.31% | 74.03% | 70.28% | 68.52% | -1,444 bps | |
| Non-Interest Burden | 2.26% | 2.27% | 2.31% | 2.15% | 1.95% | 1.87% | 2.09% | 1.98% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | -0.28% | 14.24% | 21.52% | 33.91% | 22.35% | 23.17% | 19.42% | -210 bps | |
| Loan Growth (YoY) | 15.96% | 18.93% | 24.32% | 25.19% | 32.88% | 32.28% | 31.12% | 25.79% | +59 bps | |
| Deposit Growth (YoY) | 2.39% | -0.46% | 11.68% | 20.55% | 32.40% | 24.01% | 27.87% | 20.55% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.36% | 0.85% | +85 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.93% | 0.95% | 0.94% | 0.96% | 0.95% | 0.95% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.7x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.89% | 12.23% | 11.45% | 11.19% | 10.22% | 10.10% | 10.00% | 9.70% | -149 bps | |
| Total Risk-Based Capital | 11.89% | 12.23% | 11.45% | 11.19% | 10.22% | 10.10% | 10.00% | 9.70% | -149 bps | |
| Equity / Assets | 11.85% | 11.47% | 10.81% | 10.25% | 9.51% | 10.18% | 9.62% | 9.18% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.79% | 91.79% | 94.84% | 91.47% | 88.11% | 97.91% | 97.26% | 95.43% | +397 bps | |
| Liquid Assets / Assets | 18.35% | 18.55% | 17.18% | 20.52% | 20.33% | 11.73% | 12.57% | 14.90% | -561 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 532% | 562% | 577% | n/a | n/a | |