Bank Comparison
Northway Bank vs Merrimack County Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Northway Bank | Merrimack County Savings Bank |
|---|---|---|
| CET1 Ratio | 15.90% | 12.93% |
| Tier 1 Capital Ratio | 15.90% | 12.93% |
| Total Capital Ratio | 17.15% | 14.18% |
| Tier 1 Leverage Ratio | 9.42% | 9.56% |
| Equity / Assets | 7.54% | 8.96% |
Profitability
| Metric | Northway Bank | Merrimack County Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.62% | 0.52% |
| Return on Equity (ROE) | 8.30% | 5.93% |
| Net Interest Margin (NIM) | 2.70% | 3.23% |
| Yield on Earning Assets | 4.09% | 5.00% |
| Cost of Funds | 1.54% | 1.92% |
Asset quality
| Metric | Northway Bank | Merrimack County Savings Bank |
|---|---|---|
| Texas Ratio | 3.34% | 6.17% |
| Non-Performing Loan Ratio | 0.34% | 0.72% |
| Non-Performing Asset Ratio | 0.25% | 0.60% |
| Net Charge-Off Ratio | 0.00% | 0.12% |
| ACL / Loans | 1.17% | 1.13% |
Balance sheet
| Metric | Northway Bank | Merrimack County Savings Bank |
|---|---|---|
| Total Assets | $1,188M | $1,390M |
| Total Deposits | $977,466K | $1,139M |
| Total Loans | $874,800K | $1,155M |
| Total Equity | $89,624K | $124,602K |
| Net Income (quarter) | $1,936K | $1,835K |
Liquidity & funding
| Metric | Northway Bank | Merrimack County Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.50% | 101.43% |
| Core Deposit Ratio | 95.63% | 94.25% |
| Uninsured Deposit Ratio | 24.12% | 14.31% |
Identity
| Metric | Northway Bank | Merrimack County Savings Bank |
|---|---|---|
| Headquarters City | Berlin | CONCORD |
| Headquarters State | NH | NH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 9 |
| Employees (FTE) | 162 | 186 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1867, 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.
View full Northway Bank profile | View full Merrimack County Savings Bank profile | Browse all bank comparisons