Merrimack County Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 92.8% lower than in Q1 2026, at $130K. Within New Hampshire, Merrimack County Savings Bank is 6th of 16 on loan-to-deposit ratio, 101.80% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Merrimack County Savings Bank sits 13.60 points higher, at 101.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.19B |
| Net loans and leases | $1.17B |
| Loans held for sale | $130K |
| Loans to total assets | 84.23% |
| Loan-to-deposit ratio | 101.80% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.11% |
| Multifamily (5+ residential) | 3.95% |
| Commercial and industrial | 8.96% |
| Consumer | 19.79% |
| Credit cards | 0.00% |
| Farm | 0.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.12% |
| Construction concentration (Tier 1 capital + allowance) | 43.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $15.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.17B | $1.04B | 19.13% | 9.51% | 19.11% |
| Q4 2023 | $1.17B | $1.03B | 19.21% | 9.04% | 19.14% |
| Q1 2024 | $1.17B | $1.00B | 19.00% | 9.46% | 19.00% |
| Q2 2024 | $1.18B | $1.05B | 19.63% | 8.99% | 19.81% |
| Q3 2024 | $1.17B | $1.05B | 19.81% | 9.02% | 19.77% |
| Q4 2024 | $1.15B | $1.12B | 19.72% | 8.70% | 19.38% |
| Q1 2025 | $1.15B | $1.11B | 19.52% | 10.03% | 19.07% |
| Q2 2025 | $1.15B | $1.10B | 19.23% | 10.40% | 18.84% |
| Q3 2025 | $1.14B | $1.10B | 18.92% | 9.71% | 18.90% |
| Q4 2025 | $1.15B | $1.14B | 19.34% | 10.05% | 18.54% |
| Q1 2026 | $1.16B | $1.14B | 19.47% | 8.89% | 19.22% |
| Q2 2026 | $1.19B | $1.16B | 19.11% | 8.96% | 19.79% |
Merrimack County Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merrimack County Savings Bank, freeSource: Call Report Schedule RC-C, 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 Merrimack County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17960) · FFIEC NIC profile (RSSD 74403)