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Merrimack County Savings Bank

$1B-$10B Specialty: Commercial NH FDIC cert 17960

Designations: ✓ Community bank

Concord, NH

9 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 +5.9% year over year ($1.2B on the books).
  • Delinquency rate 0.65%.
  • Return on assets 0.47%.
  • Efficiency ratio 76.03% vs a 59.73% peer average.
  • Loan-to-deposit ratio 100.64% 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) →

Merrimack County Savings Bank has 1 strength but faces 4 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 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 43.2% in tier
  • - Return on Assets 0.92% below tier average
  • - Net Interest Margin 0.52% below tier average
  • - Efficiency Ratio 16.31% above tier average
Get updates when Merrimack County 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 ? $1.4B
+4.1% YoY +1.2% QoQ
-$1.4B $2.8B
-0.6% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $1.2B
+3.3% YoY +2.6% QoQ
-$791.4M $2.0B
-0.3% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $1.2B
+5.9% YoY +2.2% QoQ
-$1.2B $2.3B
-0.5% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 0.47%
+80.3% YoY -10.4% QoQ
-0.92% 1.39%
+17.0% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
Bottom 6.9% in tier
Net Interest Margin ? 3.35%
+13.6% YoY +0.8% QoQ
-0.52% 3.87%
+6.2% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 76.03%
-10.7% YoY +1.1% QoQ
+16.31% 59.73%
-12.6% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Bottom 10.6% in tier
Delinquency Rate ? 0.65%
-3.8% YoY -9.4% QoQ
-0.22% 0.87%
+11.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 100.64%
-2.4% YoY +0.4% QoQ
+15.60% 85.04%
-0.1% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
Bottom 12.8% in tier
Non-Interest-Bearing Deposit Share ? 16.21%
-0.5% YoY +5.9% QoQ
-5.06% 21.27%
-1.5% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.54%
-4.5% YoY -8.2% QoQ
-0.13% 0.67%
+11.7% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 12.75%
+1.6% YoY -1.4% QoQ
-2.09% 14.84%
-0.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.14%
-11.5% YoY +110.7% QoQ
-0.39% 0.53%
+2.5% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
15%

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 16.2%
-0.1pp YoY
+0.9pp QoQ
 -5.2pp 21.4% 15.1% 22.2% 31%
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 9.1%
-1.5pp YoY
+0.1pp QoQ
 -4.9pp 14.0% 10.5% 12.5% 40%
CRE 28.9%
+0.4pp YoY
-0.6pp QoQ
 -21.1pp 50.0% 41.5% 41.4% 11%
1-4 Family 42.5%
0.0pp YoY
0.0pp QoQ
 +16.1pp 26.4% 44.6% 31.3% 84%
Consumer 20.0%
+1.0pp YoY
+0.6pp QoQ
 +15.3pp 4.7% 4.8% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio 12.8%
+0.2pp YoY
-0.2pp QoQ
 -2.8pp 15.6% 14.5% 19.7% 38%
Leverage Ratio 9.8%
+0.1pp YoY
+0.2pp QoQ
 -1.6pp 11.3% 16.7% 12.6% 30%
Total Capital Ratio 14.0%
+0.2pp YoY
-0.2pp QoQ
 -2.7pp 16.7% 15.6% 20.8% 40%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 195
-8 (-3.9%) YoY
+9 (+4.8%) QoQ
 -119 313 117 482 40%
Assets per Employee ($) $7.2M
+8.4% YoY
-3.5% QoQ
 -$3.3M $10.5M $8.6M $8.8M 26%
Branch Count 9
0 YoY
0 QoQ
 -11 20 7 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.2pp 0.2% 0.0% 0.4% 18%
Nonaccrual 0.6%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.8% 0.8% 1.0% 60%
Allowance Coverage 1.77x
+6.1% YoY
+11.4% QoQ
 -16.94x 18.71x 5.03x 20.23x 44%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.0% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 5.3%
+2.3pp YoY
-0.6pp QoQ
 -7.3pp 12.6% 7.7% 11.6% 9%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.9% 1.7% 1.7% 43%
Net Income ($, YTD) $3.3M
+85.7% YoY
— QoQ
 -$15.9M $19.2M $4.7M $40.4M 6%

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 (1)

Liquidity Strain

risk
#157 of 361 • Bottom 43.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.64%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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)

825
Return on Assets
profitability
Value: 0.47%
Peer Median: 1.39%
#825 of 885 Bottom 6.9% in $1B-$10B
792
Efficiency Ratio
profitability
Value: 76.03%
Peer Median: 59.73%
#792 of 885 Bottom 10.6% in $1B-$10B
773
Loan-to-Deposit Ratio
liquidity
Value: 100.64%
Peer Median: 85.04%
#773 of 885 Bottom 12.8% in $1B-$10B
750
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#750 of 885 Bottom 15.4% in $1B-$10B
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