Merrimack County Savings Bank
Merrimack County Savings Bank is a community bank chartered in 1867, based in Concord, NH. The Q1 2026 balance sheet stands at $1.4B in assets, including $1.2B in loans. Profitability runs below industry average — 0.52% ROA, 5.93% ROE, with NIM at 3.23%. Capital is comfortably above regulatory minimums — CET1 ratio of 12.93% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 0.72% NPL ratio. 9 branches make up the footprint.
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
- Fed District
- 2
- Established
- January 1, 1867
- Branches
- 9 domestic
- Employees (FTE)
- 186
- FDIC Cert
- 17960
- Fed RSSD
- 74403
- Website
- http://www.mcsbnh.com →
- Parent Holding Company
- NEW HAMPSHIRE MUTUAL BANCORP (RSSD 4436559)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Merrimack County Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Merrimack County Savings Bank
What are Merrimack County Savings Bank's total assets?
As of the Q1 2026 filing, Merrimack County Savings Bank reported total assets of $1.39 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Merrimack County Savings Bank headquartered?
Merrimack County Savings Bank is headquartered in CONCORD, NH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Merrimack County Savings Bank founded?
Merrimack County Savings Bank was established in 1867, per the FDIC institution directory.
Is Merrimack County Savings Bank FDIC-insured?
Yes. Merrimack County Savings Bank is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Merrimack County Savings Bank's CET1 capital ratio?
Merrimack County Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its most recent quarterly filing — above regulatory minimums.
How many branches does Merrimack County Savings Bank operate?
Merrimack County Savings Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Merrimack County Savings Bank's Texas Ratio?
Merrimack County Savings Bank's Texas Ratio is 6.17% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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