Merrimack County Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merrimack County Savings Bank of Concord, NH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.42% | 1.46% | -1.04% | 7th bottom |
| ROAE | 4.69% | 12.72% | -8.03% | 9th bottom |
| Net Interest Margin | 3.35% | 3.85% | -0.50% | 28th below |
| Efficiency Ratio | 76.68% | 57.40% | +19.28% | 10th bottom |
| PPNR / Avg Assets | 0.82% | 1.88% | -1.06% | 9th bottom |
| Yield on Earning Assets | 5.08% | 5.72% | -0.64% | 24th bottom |
| Cost of Funds | 1.86% | 2.02% | -0.16% | 59th above |
| Net Interest Spread | 2.93% | 3.18% | -0.25% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 1.00% | -0.36% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.76% | -0.22% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.25% | 0.43% | -0.18% | 16th bottom |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 177.81% | 543.56% | -365.75% | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.58% | 7.39% | -1.81% | 45th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 165.42% | 618.89% | -453.47% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.75% | 17.34% | -4.59% | 38th below |
| Tier 1 Ratio | 12.75% | 17.37% | -4.62% | 38th below |
| Total Capital Ratio | 14.00% | 18.42% | -4.42% | 40th below |
| Leverage Ratio | 9.76% | 11.44% | -1.68% | 30th below |
| Equity / Assets | 8.93% | 11.34% | -2.41% | 21st bottom |
| TCE / Tangible Assets | 8.77% | 10.50% | -1.73% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.80% | 86.95% | +14.85% | 14th bottom |
| Core Deposit Ratio | 94.48% | 85.55% | +8.93% | 81st top |
| Uninsured Deposit Ratio | 15.05% | 33.13% | -18.08% | 92nd top |
| Wholesale Funding Ratio | 7.75% | 5.70% | +2.05% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.12% | 9.68% | -5.56% | 43rd below |
| Loan Growth (Y/Y) | 3.37% | 8.06% | -4.69% | 37th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 7.87% | -2.01% | 57th above |
See Merrimack County Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merrimack County Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Merrimack County Savings Bank profile, how to read a UBPR, or how this data updates.