Merrimack County Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.15 percentage points higher than in Q1 2026, at 177.81%. Within New Hampshire, Merrimack County Savings Bank is 10th of 16 on return on assets, 0.42% as of Q2 2026, below the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Merrimack County Savings Bank reported 0.42% on return on assets in Q2 2026, 0.86 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.75% |
| Tier 1 risk-based capital ratio | 12.75% |
| Total risk-based capital ratio | 14.00% |
| Tier 1 leverage ratio | 9.76% |
| Equity capital to assets | 8.93% |
| Tangible equity to tangible assets | 8.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 5.58% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 177.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 4.69% |
| Net interest margin | 3.35% |
| Efficiency ratio | 76.68% |
| Yield on earning assets | 5.08% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.80% |
| Core deposits to total deposits | 94.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.74% |
| Securities to assets | 9.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.73% | 11.73% | 12.85% | 9.08% | 0.29% |
| Q4 2023 | 12.11% | 12.11% | 13.25% | 9.28% | 0.82% |
| Q1 2024 | 12.21% | 12.21% | 13.35% | 9.37% | 0.37% |
| Q2 2024 | 12.11% | 12.11% | 13.29% | 9.38% | 0.33% |
| Q3 2024 | 12.27% | 12.27% | 13.45% | 9.30% | -0.07% |
| Q4 2024 | 12.46% | 12.46% | 13.69% | 9.44% | 0.27% |
| Q1 2025 | 12.50% | 12.50% | 13.75% | 9.55% | 0.29% |
| Q2 2025 | 12.55% | 12.55% | 13.80% | 9.66% | 0.23% |
| Q3 2025 | 12.75% | 12.75% | 14.00% | 9.80% | 0.34% |
| Q4 2025 | 12.71% | 12.71% | 13.96% | 9.57% | 0.22% |
| Q1 2026 | 12.93% | 12.93% | 14.18% | 9.56% | 0.52% |
| Q2 2026 | 12.75% | 12.75% | 14.00% | 9.76% | 0.42% |
Merrimack County Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merrimack County Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)