Claremont Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.29 percentage points lower than in Q1 2026, at 198.81%. Within New Hampshire, Claremont Savings Bank is 12th of 16 on return on assets, 0.34% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Claremont Savings Bank reported 0.34% on return on assets in Q2 2026, 0.91 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.40% |
| Equity capital to assets | 11.70% |
| Tangible equity to tangible assets | 11.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.84% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 198.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.34% |
| Return on equity | 2.96% |
| Net interest margin | 3.00% |
| Efficiency ratio | 88.43% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.52% |
| Core deposits to total deposits | 90.55% |
| Brokered deposits to total deposits | 1.06% |
| Deposits to assets | 76.42% |
| Securities to assets | 9.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.79% | -0.81% | 2.27% | 0.51% | -0.01% |
| Q4 2023 | 13.28% | 1.30% | 2.26% | 0.57% | -0.06% |
| Q1 2024 | 13.55% | 1.09% | 2.35% | 0.53% | -0.00% |
| Q2 2024 | 13.82% | 0.22% | 2.44% | 0.63% | -0.00% |
| Q3 2024 | 13.47% | 0.16% | 2.65% | 0.59% | -0.00% |
| Q4 2024 | 13.07% | 0.38% | 2.61% | 0.62% | -0.00% |
| Q1 2025 | 12.95% | 0.24% | 2.72% | 0.63% | -0.05% |
| Q2 2025 | 12.73% | 0.60% | 2.89% | 0.48% | -0.00% |
| Q3 2025 | 12.51% | 0.45% | 2.88% | 0.42% | -0.00% |
| Q4 2025 | 12.55% | 0.40% | 2.96% | 0.41% | 0.13% |
| Q1 2026 | 12.47% | 0.35% | 2.93% | 0.40% | -0.03% |
| Q2 2026 | 12.40% | 0.34% | 3.00% | 0.45% | -0.00% |
Claremont Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Claremont Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Claremont Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18038) · FFIEC NIC profile (RSSD 47500)