BlastPoint's Banking Scorecard

Profile Bank

$100M-$1B Specialty: Commercial NH FDIC cert 28155

Rochester, NH

5 branches across NH

2664 banks in the $100M-$1B peer group nationally 11 in NH

Profile 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 0.78% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 4.5% in tier
- Return on Assets 0.99% below tier average
- Efficiency Ratio 23.79% above tier average
- Net Interest Margin 0.80% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Total Assets ?	$310.4M +3.7% YoY -1.2% QoQ	-$75.7M	$386.1M +0.5% YoY	$977.6M +5.3% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$192.9M +10.0% YoY -2.3% QoQ	-$62.8M	$255.7M +1.1% YoY	$770.5M +4.0% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$280.5M +3.9% YoY +1.6% QoQ	-$47.4M	$328.0M +0.1% YoY	$822.1M +5.6% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	0.28% +370.9% YoY +176.9% QoQ	-0.99%	1.27% +12.9% YoY	2.50% +26.1% YoY	1.23% +13.4% YoY	Bottom 7.4% in tier
Net Interest Margin ?	3.14% +19.7% YoY +8.8% QoQ	-0.80%	3.93% +6.0% YoY	3.31% +10.6% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	89.08% -14.2% YoY -5.9% QoQ	+23.79%	65.29% -4.5% YoY	72.72% -15.7% YoY	66.95% -4.1% YoY	Bottom 7.3% in tier
Delinquency Rate ?	0.10% -40.8% YoY -2.5% QoQ	-0.78%	0.89% +18.8% YoY	0.86% +40.0% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	68.77% +5.9% YoY -3.8% QoQ	-7.87%	76.64% +0.8% YoY	86.08% -1.1% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	10.85% -32.4% YoY -5.8% QoQ	-11.17%	22.02% -1.0% YoY	13.95% -6.5% YoY	22.01% -1.2% YoY	Bottom 12.3% in tier
Nonperforming Asset Ratio ?	0.06% -37.2% YoY -3.6% QoQ	-0.57%	0.64% +19.7% YoY	0.71% +38.7% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	16.20% -4.7% YoY +2.8% QoQ	+0.37%	15.83% +1.5% YoY	18.81% -1.3% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.06% +13.7% YoY -69.8% QoQ	-0.22%	0.28% +9.3% YoY	1.05% +15.4% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

NIB Deposit Bleed

decline

#10 of 198 • Bottom 4.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 10.85%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

657

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#657 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2470

Efficiency Ratio

profitability

Value: 89.08%

Peer Median: 65.29%

#2470 of 2664 Bottom 7.3% in $100M-$1B

2468

Return on Assets

profitability

Value: 0.28%

Peer Median: 1.27%

#2468 of 2664 Bottom 7.4% in $100M-$1B

2336

Non-Interest-Bearing Deposit Share

funding

Value: 10.85%

Peer Median: 22.02%

#2336 of 2664 Bottom 12.3% in $100M-$1B

2251

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.93%

#2251 of 2664 Bottom 15.5% in $100M-$1B