BlastPoint's Banking Scorecard
Merrimack County Savings Bank
Designations: ✓ Community bank
Concord, NH
9 branches across NH
Merrimack County Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.2% in tier
- - Return on Assets 0.84% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 14.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.7% YoY
+0.5% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$1.1B
+0.4% YoY
+0.1% QoQ
|
-$822.2M |
$2.0B
+0.6% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$1.1B
+2.5% YoY
+0.4% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.53%
+80.3% YoY
+96.5% QoQ
|
-0.84% |
1.37%
+19.6% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.8% in tier |
| Net Interest Margin ? |
3.33%
+13.4% YoY
+8.2% QoQ
|
-0.49% |
3.82%
+6.9% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
75.20%
-9.5% YoY
-8.4% QoQ
|
+14.14% |
61.06%
-4.6% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate ? |
0.72%
+7.2% YoY
+44.4% QoQ
|
-0.17% |
0.89%
+14.1% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
100.28%
-2.0% YoY
-0.3% QoQ
|
+16.08% |
84.20%
+0.3% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.31%
+1.4% YoY
-1.1% QoQ
|
-5.98% |
21.29%
-2.5% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.59%
+4.9% YoY
+43.8% QoQ
|
-0.08% |
0.67%
+15.6% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
12.93%
+3.4% YoY
+1.7% QoQ
|
-2.23% |
15.16%
+2.0% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.06%
-14.9% YoY
-79.5% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.