Merrimack County Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Merrimack County Savings Bank is an FDIC-insured savings bank headquartered in Concord, NH, established in 1867 (FDIC certificate 17960), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.41B, up 4.1% from Q2 2025, the 5th largest of 16 banks headquartered in New Hampshire. Its CET1 capital ratio was 12.75% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17960
- Headquarters
- Concord, NH
- Established
- 1867
- Total assets, Q2 2026
- $1.41B
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 12.75%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 211470225
- Latest call report
- Q2 2026, FFIEC 041 · Merrimack County Savings Bank call report
- Holding company
- NEW HAMPSHIRE MUTUAL BANCORP
- Asset rank in state
- 5th of 16 in New Hampshire
Merrimack County Savings Bank spends more to run itself than most banks of its size. The Concord, New Hampshire bank had $1.4 billion in assets at June 30, 2026, up 4.1% from a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 77 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $1.5 million, 87% above the same quarter a year earlier. Delinquency has appeared in its $119 million non-owner-occupied commercial real estate book: 1.25% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Merrimack County Savings Bank reported a CET1 capital ratio of 12.75%, a return on assets of 0.42%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 5.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Merrimack County Savings Bank is the 5th largest of the 16 banks headquartered in New Hampshire. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $1.41B, loans rose 2.6% and deposits rose 2.2%. 1-4 family residential loans made up 42.0% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 19.7%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in NH; its Concord 3 offices book 69% of its branch deposits. Judged on its Q2 2026 call report, Merrimack County Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 89 N Main St, Concord, NH 03301
- County
- Merrimack
- Metro Area
- Concord, NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1867
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 195
- Domestic deposits
- $1.16B
- Allowance for credit losses
- $13.5M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $1.39B
- Average total loans
- $1.17B
- Average interest-bearing deposits
- $959.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 22, 1959
- FDIC Cert
- 17960
- Fed RSSD
- 74403
- SEC CIK
- 1873539 → filed by NEW HAMPSHIRE MUTUAL BANCORP
- Website
- http://www.mcsbnh.com →
- Parent Holding Company
- NEW HAMPSHIRE MUTUAL BANCORP (RSSD 4436559)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Merrimack County Savings Bank's total assets ranged from $1.35B (Q3 2025) to $1.41B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.41B total assets against $1.35B; $1.28B total liabilities against $1.23B.
$1.17B net loans and leases against $1.13B; $1.16B total deposits against $1.10B.
$134.8M securities against $125.7M; $43.6M cash and balances due against $36.5M.
$17.1M total interest income against $16.2M; $5.8M total interest expense against $6.7M.
$11.3M net interest income against $9.5M.
$1.0M total noninterest income against $1.1M; $9.4M total noninterest expense against $9.2M.
$1.0M provision for credit losses against $449K.
$1.5M net income against $785K.
0.42% return on assets against 0.23%; 3.35% net interest margin against 2.90%.
12.75% CET1 capital ratio against 12.55%; 9.76% tier 1 leverage ratio against 9.66%.
Inside the full Merrimack County Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Merrimack County Savings Bank rankings
Its closest position to the top of a national ranking is 777 of 4,196, for total assets; its furthest is 3,314 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.07% (Q3 2024) to 0.52% (Q1 2026) and its net interest margin ran from 2.66% (Q3 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.75% | 0.42% | 0.64% | 5.56% | 3.35% |
| Q1 2026 | 12.93% | 0.52% | 0.71% | 6.08% | 3.23% |
| Q4 2025 | 12.71% | 0.22% | 0.49% | 4.26% | 3.18% |
| Q3 2025 | 12.75% | 0.34% | 0.65% | 5.66% | 3.09% |
| Q2 2025 | 12.55% | 0.23% | 0.67% | 5.91% | 2.90% |
| Q1 2025 | 12.50% | 0.29% | 0.66% | 5.93% | 2.86% |
| Q4 2024 | 12.46% | 0.27% | 0.63% | 5.78% | 2.81% |
| Q3 2024 | 12.27% | -0.07% | 0.59% | 5.35% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Merrimack County Savings Bank (main office) | Concord , NH | 03301 | $618.9M |
| Bow Branch | Bow , NH | 03304 | $173.6M |
| Integra Drive Branch | Concord , NH | 03301 | $97.4M |
| North State Street Branch | Concord , NH | 03301 | $89.5M |
| Nashua Branch | Nashua , NH | 03064 | $62.6M |
| Contoocook Branch | Contoocook , NH | 03229 | $62.0M |
| Londonderry Turnpike Road Hooksett Branch | Hooksett , NH | 03106 | $39.2M |
| Henniker Branch | Henniker , NH | 03242 | $16.3M |
| Windham Branch | Windham , NH | 03087 | $4.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2007 | Structure Change | Acquired Bow Mills Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.4% of deposits in NH, rank 11 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 366 applications, 214 loans originated, $87.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 25 loans, $4.2M approved, $167K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Merrimack County Savings Bank
What are Merrimack County Savings Bank's total assets?
As of the Q2 2026 filing, Merrimack County Savings Bank reported total assets of $1.41 billion in its FFIEC call report.
Where is Merrimack County Savings Bank headquartered?
It is headquartered in Concord, NH, United States.
When was Merrimack County Savings Bank founded?
It was established in 1867, per the FDIC institution directory.
Is Merrimack County Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merrimack County Savings Bank?
Merrimack County Savings Bank's primary federal regulator is the FDIC.
What is Merrimack County Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does Merrimack County Savings Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Merrimack County Savings Bank's Texas Ratio?
Its Texas Ratio is 5.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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