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Claremont Savings Bank

$100M-$1B Specialty: Commercial NH FDIC cert 18038

Designations: ✓ Mutual

Claremont, NH

4 branches across NH · VT

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 +5.7% year over year ($473.6M on the books).
  • Delinquency rate 0.45%.
  • Return on assets 0.35%.
  • Efficiency ratio 88.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.60% 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) →

Claremont 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 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 37.4% in tier
  • - Return on Assets 0.98% below tier average
  • - Loan-to-Deposit Ratio 24.65% above tier average
  • - Net Interest Margin 0.96% below tier average
Get updates when Claremont 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 ? $619.7M
+3.7% YoY -0.0% QoQ
+$233.1M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $485.9M
+6.9% YoY +1.6% QoQ
+$227.5M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
Top 12.8% in tier
Total Deposits ? $473.6M
+5.7% YoY +2.6% QoQ
+$146.8M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 0.35%
-18.7% YoY -0.4% QoQ
-0.98% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
Bottom 8.4% in tier
Net Interest Margin ? 3.03%
+4.7% YoY +2.0% QoQ
-0.96% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
Bottom 10.7% in tier
Efficiency Ratio ? 88.43%
-2.1% YoY +0.2% QoQ
+23.95% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Bottom 6.8% in tier
Delinquency Rate ? 0.45%
-6.9% YoY +10.1% QoQ
-0.47% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 102.60%
+1.1% YoY -0.9% QoQ
+24.65% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
Bottom 7.3% in tier
Non-Interest-Bearing Deposit Share ? 14.89%
+4.8% YoY +1.8% QoQ
-7.14% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.35%
-4.0% YoY +11.9% QoQ
-0.32% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 12.40%
-2.6% YoY -0.6% QoQ
-3.51% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.30%
+2.6% YoY +100.7% QoQ
-0.27% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
72%

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 14.9%
+0.7pp YoY
+0.3pp QoQ
 -7.3pp 22.1% 15.1% 22.2% 24%
Brokered Deposits 1.1%
-1.2pp YoY
-0.5pp QoQ
 -6.8pp 7.9% 8.0% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 8.5%
+1.8pp YoY
+1.7pp QoQ
 -3.1pp 11.6% 10.5% 12.5% 44%
CRE 24.0%
+2.3pp YoY
-0.4pp QoQ
 -15.6pp 39.5% 41.5% 41.4% 25%
1-4 Family 67.0%
-3.8pp YoY
-1.2pp QoQ
 +34.4pp 32.6% 44.6% 31.3% 93%
Consumer 0.9%
-0.2pp YoY
-0.1pp QoQ
 -3.2pp 4.1% 4.8% 5.0% 26%

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 12.4%
-0.3pp YoY
-0.1pp QoQ
 +0.2pp 12.2% 16.7% 12.6% 69%
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 90
-7 (-7.2%) YoY
-4 (-4.3%) QoQ
 +31 58 117 482 82%
Assets per Employee ($) $6.9M
+11.7% YoY
+4.4% QoQ
 -$633K $7.5M $8.6M $8.8M 50%
Branch Count 4
-1 (-20.0%) YoY
-1 (-20.0%) QoQ
 -1 4 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 50%
Allowance Coverage 1.99x
+10.7% YoY
-5.4% QoQ
 -22.17x 24.15x 5.03x 20.23x 47%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 3.0%
-0.6pp YoY
0.0pp QoQ
 -9.2pp 12.2% 7.7% 11.6% 8%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 61%
Net Income ($, YTD) $1.1M
-12.8% YoY
— QoQ
 -$1.5M $2.6M $4.7M $40.4M 29%

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)

Efficiency Drag

risk
#136 of 361 • Bottom 37.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.43%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 (3 metrics)

339
Total Loans
size
Value: $485.89M
Peer Median: $258.35M
#339 of 2643 Top 12.8% in $100M-$1B
481
Total Assets
size
Value: $619.70M
Peer Median: $386.57M
#481 of 2643 Top 18.2% in $100M-$1B
603
Total Deposits
size
Value: $473.58M
Peer Median: $326.73M
#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (5 metrics)

2465
Efficiency Ratio
profitability
Value: 88.43%
Peer Median: 64.48%
#2465 of 2643 Bottom 6.8% in $100M-$1B
2450
Loan-to-Deposit Ratio
liquidity
Value: 102.60%
Peer Median: 77.95%
#2450 of 2643 Bottom 7.3% in $100M-$1B
2422
Return on Assets
profitability
Value: 0.35%
Peer Median: 1.32%
#2422 of 2643 Bottom 8.4% in $100M-$1B
2360
Net Interest Margin
profitability
Value: 3.03%
Peer Median: 3.99%
#2360 of 2643 Bottom 10.7% in $100M-$1B
2010
Non-Interest-Bearing Deposit Share
funding
Value: 14.89%
Peer Median: 22.03%
#2010 of 2643 Bottom 24.0% in $100M-$1B
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