Concord, NH · Cert 59289
SI · FDIC · 1 branch
Q2 2026
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 | -3.55% | -3.23% | -0.64% | -0.24% | -0.12% | -0.77% | 0.01% | 0.02% | +26 bps | |
| Return on Equity | -19.17% | -18.80% | -5.18% | -2.03% | -1.08% | -7.32% | 0.08% | 0.25% | +229 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.81% | 3.84% | 3.58% | 3.49% | 4.05% | 3.75% | -9 bps | |
| Efficiency Ratio | 122.57% | 116.72% | 107.33% | 102.77% | 96.89% | 90.07% | 89.99% | 92.00% | -1,077 bps | |
| Non-Interest Burden | 3.93% | 3.74% | 4.10% | 3.95% | 3.46% | 3.14% | 3.64% | 3.45% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 94.37% | 63.72% | 38.63% | 37.83% | 39.01% | 38.76% | 39.60% | 31.90% | -593 bps | |
| Loan Growth (YoY) | 141.93% | 151.61% | 114.33% | 106.74% | 66.05% | 50.63% | 39.04% | 19.78% | -8,696 bps | |
| Deposit Growth (YoY) | 148.06% | 92.79% | 53.23% | 49.84% | 46.36% | 45.78% | 46.19% | 34.39% | -1,544 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.60% | 2.59% | 4.68% | 2.67% | 5.18% | 9.68% | 7.92% | 3.50% | +83 bps | |
| Net Charge-Offs / Loans | 0.00% | 2.96% | 0.14% | -0.18% | -0.11% | 1.11% | 0.29% | 0.18% | +36 bps | |
| Allowance / Loans | 3.34% | 0.67% | 0.67% | 0.68% | 0.72% | 0.62% | 0.65% | 0.68% | 0 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.3x | 0.1x | 0.3x | 0.1x | 0.1x | 0.1x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.54% | 13.04% | 12.22% | 11.53% | 9.96% | 8.71% | 8.47% | 9.33% | -219 bps | |
| Total Risk-Based Capital | 14.54% | 13.04% | 12.22% | 11.53% | 9.96% | 8.71% | 8.47% | 9.33% | -219 bps | |
| Equity / Assets | 13.76% | 12.81% | 12.02% | 10.75% | 9.39% | 8.57% | 8.10% | 9.19% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.21% | 80.56% | 85.96% | 82.28% | 80.80% | 83.24% | 81.75% | 73.33% | -895 bps | |
| Liquid Assets / Assets | 39.18% | 27.74% | 21.11% | 20.24% | 21.97% | 19.06% | 18.00% | 23.36% | +312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 166.85% | 214% | 232% | n/a | n/a | |