MERRIMACK COUNTY SAVINGS BANK

CONCORD, NH | Large | Est. Jan. 1, 1867, midnight | FDIC #17960 | RSSD #74403 | FDIC
Latest Report: 2025-12-31

MERRIMACK COUNTY SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in CONCORD, NH, established in Jan. 1, 1867, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.1B. Profitability stands at 0.22% ROA and 2.44% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 12.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 4.14%. FDIC Certificate #17960.

Assets

$1.4B

Deposits

$1.1B

Loans

$1.2B

Equity

$123M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 2.44%
Net Interest Margin (NIM) 3.39%
Yield on Assets 5.38%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.26%
Texas Ratio 4.14%
NPA Ratio 0.41%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 12.71%
Tier 1 Capital 12.71%
Total Capital Ratio 13.96%
Leverage Ratio 9.57%
Loan-to-Deposit 101.70%

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