Bank Comparison
Merrimack County Savings Bank vs Gbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Merrimack County Savings Bank | Gbank |
|---|---|---|
| CET1 Ratio | 12.93% | — |
| Tier 1 Capital Ratio | 12.93% | — |
| Total Capital Ratio | 14.18% | — |
| Tier 1 Leverage Ratio | 9.56% | 13.39% |
| Equity / Assets | 8.96% | 12.95% |
Profitability
| Metric | Merrimack County Savings Bank | Gbank |
|---|---|---|
| Return on Assets (ROA) | 0.52% | 0.67% |
| Return on Equity (ROE) | 5.93% | 5.03% |
| Net Interest Margin (NIM) | 3.23% | 3.97% |
| Yield on Earning Assets | 5.00% | 6.75% |
| Cost of Funds | 1.92% | 3.04% |
Asset quality
| Metric | Merrimack County Savings Bank | Gbank |
|---|---|---|
| Texas Ratio | 6.17% | 23.15% |
| Non-Performing Loan Ratio | 0.72% | 3.61% |
| Non-Performing Asset Ratio | 0.60% | 3.18% |
| Net Charge-Off Ratio | 0.12% | 0.56% |
| ACL / Loans | 1.13% | 0.98% |
Balance sheet
| Metric | Merrimack County Savings Bank | Gbank |
|---|---|---|
| Total Assets | $1,390M | $1,389M |
| Total Deposits | $1,139M | $1,186M |
| Total Loans | $1,155M | $1,099M |
| Total Equity | $124,602K | $179,928K |
| Net Income (quarter) | $1,835K | $2,255K |
Liquidity & funding
| Metric | Merrimack County Savings Bank | Gbank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.43% | 92.71% |
| Core Deposit Ratio | 94.25% | 96.64% |
| Uninsured Deposit Ratio | 14.31% | 35.45% |
Identity
| Metric | Merrimack County Savings Bank | Gbank |
|---|---|---|
| Headquarters City | CONCORD | LAS VEGAS |
| Headquarters State | NH | NV |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 2 |
| Employees (FTE) | 186 | 189 |
| Established | Jan. 1, 1867, midnight | Sept. 24, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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