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Meredith Village Savings Bank

$1B-$10B Specialty: Mortgage NH FDIC cert 17180

Designations: ✓ Community bank

Meredith, NH

18 branches across NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in NH.
  • Deposits +2.0% year over year ($1.4B on the books).
  • Delinquency rate 0.42%.
  • Return on assets 0.56%.
  • Efficiency ratio 79.14% vs a 59.73% peer average.
  • Loan-to-deposit ratio 106.09% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 5 in NH
View $1B-$10B leaderboard (NH) →

Meredith Village Savings Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 9.7% in tier
  • - Credit Quality Pressure: Bottom 23.2% in tier
  • - Return on Assets 0.83% below tier average
  • - Efficiency Ratio 19.41% above tier average
  • - Loan-to-Deposit Ratio 21.05% above tier average
  • - Net Interest Margin 0.56% below tier average
Get updates when Meredith Village Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Total Assets ? $1.6B
+2.2% YoY +1.4% QoQ
-$1.1B $2.8B
-0.6% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $1.4B
+3.8% YoY +1.7% QoQ
-$530.8M $2.0B
-0.3% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $1.4B
+2.0% YoY +1.6% QoQ
-$968.6M $2.3B
-0.5% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 0.56%
+72.9% YoY -1.1% QoQ
-0.83% 1.39%
+17.0% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
Bottom 8.8% in tier
Net Interest Margin ? 3.31%
+17.3% YoY -0.4% QoQ
-0.56% 3.87%
+6.2% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 79.14%
-8.5% YoY +0.6% QoQ
+19.41% 59.73%
-12.6% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Bottom 7.9% in tier
Delinquency Rate ? 0.42%
+15.2% YoY +13.4% QoQ
-0.45% 0.87%
+11.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 106.09%
+1.7% YoY +0.1% QoQ
+21.05% 85.04%
-0.1% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
Bottom 6.6% in tier
Non-Interest-Bearing Deposit Share ? 13.76%
+4.7% YoY +16.7% QoQ
-7.51% 21.27%
-1.5% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.36%
+16.9% YoY +13.7% QoQ
-0.31% 0.67%
+11.7% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 15.09%
+1.5% YoY -0.1% QoQ
+0.25% 14.84%
-0.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.17%
-7.5% YoY +109.3% QoQ
-0.35% 0.53%
+2.5% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Noninterest-Bearing 13.8%
+0.6pp YoY
+2.0pp QoQ
 -7.6pp 21.4% 15.1% 22.2% 22%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 2.8%
-0.2pp YoY
0.0pp QoQ
 -11.2pp 14.0% 10.5% 12.5% 9%
CRE 22.2%
+1.0pp YoY
-0.3pp QoQ
 -27.8pp 50.0% 41.5% 41.4% 5%
1-4 Family 63.8%
+0.3pp YoY
+0.6pp QoQ
 +37.3pp 26.4% 44.6% 31.3% 96%
Consumer 10.3%
-1.0pp YoY
-0.2pp QoQ
 +5.6pp 4.7% 4.8% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.2pp YoY
0.0pp QoQ
 -0.5pp 15.6% 14.5% 19.7% 70%
Leverage Ratio 10.3%
+0.3pp YoY
+0.3pp QoQ
 -1.0pp 11.3% 16.7% 12.6% 44%
Total Capital Ratio 16.3%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 16.7% 15.6% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 242
+8 (+3.4%) YoY
+13 (+5.7%) QoQ
 -72 313 117 482 52%
Assets per Employee ($) $6.8M
-1.2% YoY
-4.1% QoQ
 -$3.7M $10.5M $8.6M $8.8M 21%
Branch Count 18
0 YoY
0 QoQ
 -2 20 7 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.1pp 0.2% 0.0% 0.4% 41%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.8% 1.0% 40%
Allowance Coverage 2.18x
-20.7% YoY
-13.8% QoQ
 -16.53x 18.71x 5.03x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.0% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 5.8%
+2.3pp YoY
-0.1pp QoQ
 -6.8pp 12.6% 7.7% 11.6% 11%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.9% 1.7% 1.7% 42%
Net Income ($, YTD) $4.5M
+75.8% YoY
— QoQ
 -$14.7M $19.2M $4.7M $40.4M 10%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#40 of 402 • Bottom 9.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#115 of 492 • Bottom 23.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.42%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

828
Loan-to-Deposit Ratio
liquidity
Value: 106.09%
Peer Median: 85.04%
#828 of 885 Bottom 6.6% in $1B-$10B
816
Efficiency Ratio
profitability
Value: 79.14%
Peer Median: 59.73%
#816 of 885 Bottom 7.9% in $1B-$10B
808
Return on Assets
profitability
Value: 0.56%
Peer Median: 1.39%
#808 of 885 Bottom 8.8% in $1B-$10B
685
Non-Interest-Bearing Deposit Share
funding
Value: 13.76%
Peer Median: 21.27%
#685 of 885 Bottom 22.7% in $1B-$10B
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