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Sugar River Bank

$100M-$1B Specialty: Mortgage NH FDIC cert 18028

Newport, NH

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in NH.
  • Deposits +6.0% year over year ($364.3M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 0.64%.
  • Efficiency ratio 76.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.05% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 11 in NH
View $100M-$1B leaderboard (NH) →

Sugar River Bank has 1 strength but faces 3 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 0.59% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.68% below tier average
  • - Net Interest Margin 0.25% below tier average
  • - Efficiency Ratio 12.03% above tier average
Get updates when Sugar River 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 ? $424.3M
+4.9% YoY +1.9% QoQ
+$37.7M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $291.7M
+5.5% YoY +2.5% QoQ
+$33.3M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $364.3M
+6.0% YoY +1.7% QoQ
+$37.6M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.64%
+24.7% YoY +1.9% QoQ
-0.68% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 3.73%
+7.1% YoY -0.1% QoQ
-0.25% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 76.51%
-2.6% YoY -0.7% QoQ
+12.03% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.33%
-34.2% YoY -5.5% QoQ
-0.59% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 80.05%
-0.5% YoY +0.8% QoQ
+2.10% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 22.27%
+3.1% YoY -2.5% QoQ
+0.24% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.23%
-33.9% YoY -4.9% QoQ
-0.44% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 14.13%
+0.1% YoY +0.4% QoQ
-1.78% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.23%
-2.4% YoY +104.0% QoQ
-0.34% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
58%

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 22.3%
+0.7pp YoY
-0.6pp QoQ
 +0.1pp 22.1% 15.1% 22.2% 56%
Brokered Deposits n/a n/a 7.9% 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 4.8%
0.0pp YoY
+0.4pp QoQ
 -6.8pp 11.6% 10.5% 12.5% 18%
CRE 16.5%
+1.2pp YoY
-0.4pp QoQ
 -23.0pp 39.5% 41.5% 41.4% 12%
1-4 Family 77.0%
-0.4pp YoY
+0.1pp QoQ
 +44.4pp 32.6% 44.6% 31.3% 96%
Consumer 0.8%
-0.8pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.8% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.5% 19.7% n/a
Leverage Ratio 14.1%
0.0pp YoY
+0.1pp QoQ
 +2.0pp 12.2% 16.7% 12.6% 82%
Total Capital Ratio n/a n/a 19.9% 15.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 74
+4 (+5.7%) YoY
0 QoQ
 +15 58 117 482 73%
Assets per Employee ($) $5.7M
-0.8% YoY
+1.9% QoQ
 -$1.8M $7.5M $8.6M $8.8M 28%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.4% 3%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 41%
Allowance Coverage 1.87x
+6.9% YoY
+11.5% QoQ
 -22.28x 24.15x 5.03x 20.23x 46%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 5.6%
+0.8pp YoY
+0.1pp QoQ
 -6.6pp 12.2% 7.7% 11.6% 16%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 13%
Net Income ($, YTD) $1.3M
+29.8% YoY
— QoQ
 -$1.2M $2.6M $4.7M $40.4M 37%

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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2208
Return on Assets
profitability
Value: 0.64%
Peer Median: 1.32%
#2208 of 2643 Bottom 16.5% in $100M-$1B
2166
Efficiency Ratio
profitability
Value: 76.51%
Peer Median: 64.48%
#2166 of 2643 Bottom 18.1% in $100M-$1B
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