PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Mary's Bank

Manchester, NH · Charter 63829

NCUA · 13 branches

Q2 2026

$1.8BAssets
$1.6BLoans
$1.6BShares
$179.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.99%, up 8 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.31% of loans (-3 bps YoY).
  • Capital: net worth / assets of 9.96%, up 26 bps from a year ago.
  • Funding: loans stand at 100.26% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+16 bps YoY

Efficiency Ratio (YTD, annualized)

72.95%-111 bps YoY

Net Worth / Assets

9.96%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.09%0.85%0.91%0.93%0.90%0.92%0.99%+8 bps
Return on Equity11.86%11.31%8.98%9.35%9.48%9.20%9.23%9.89%+54 bps
Net Interest Margin3.45%3.39%3.27%3.37%3.40%3.42%3.55%3.53%+16 bps
Efficiency Ratio69.38%70.62%75.65%74.06%74.37%75.42%73.51%72.95%-111 bps
Growth
Asset Growth (YoY)5.71%8.03%9.56%8.65%8.82%7.36%4.49%6.90%-174 bps
Loan Growth (YoY)6.89%6.47%6.51%8.22%8.71%9.17%10.91%11.22%+300 bps
Share Growth (YoY)4.63%7.47%8.82%7.88%8.59%6.59%3.68%6.09%-179 bps
Asset Quality
Delinquent Loans / Loans0.22%0.31%0.24%0.33%0.24%0.43%0.34%0.31%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.69%9.62%9.49%9.70%9.77%9.81%9.95%9.96%+26 bps
Net Worth / Assets9.69%9.62%9.49%9.70%9.77%9.81%9.95%9.96%+26 bps
Liquidity & Funding
Loans / Shares96.43%94.69%93.35%95.64%96.53%96.98%99.86%100.26%+462 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps