Piscataqua 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 Loan-to-deposit ratio: 1.61 percentage points lower than in Q1 2026, at 66.42%. Piscataqua Savings Bank ranks 11th of 16 New Hampshire banks on return on assets, in the lower half at 0.39% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Piscataqua Savings Bank reported 0.39% on return on assets in Q2 2026, 0.86 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.67% |
| Equity capital to assets | 11.05% |
| Tangible equity to tangible assets | 11.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 3.57% |
| Net interest margin | 1.76% |
| Efficiency ratio | 82.94% |
| Yield on earning assets | 3.94% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.42% |
| Core deposits to total deposits | 82.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.84% |
| Securities to assets | 34.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.61% | 0.01% | 1.40% | 0.05% | 0.00% |
| Q4 2023 | 14.62% | -0.16% | 1.34% | 0.08% | 0.00% |
| Q1 2024 | 15.08% | -0.51% | 1.15% | 0.52% | 0.00% |
| Q2 2024 | 14.56% | 0.11% | 1.13% | 0.52% | 0.00% |
| Q3 2024 | 14.14% | -0.17% | 1.08% | 0.52% | 0.00% |
| Q4 2024 | 14.05% | -0.35% | 1.13% | 0.55% | 0.00% |
| Q1 2025 | 13.97% | -0.54% | 1.18% | 0.47% | 0.00% |
| Q2 2025 | 13.86% | -0.07% | 1.33% | 0.01% | 0.00% |
| Q3 2025 | 13.45% | 0.12% | 1.41% | 0.01% | 0.00% |
| Q4 2025 | 13.25% | 0.08% | 1.49% | 0.00% | 0.00% |
| Q1 2026 | 13.22% | 0.36% | 1.58% | 0.00% | 0.00% |
| Q2 2026 | 13.67% | 0.39% | 1.76% | 0.00% | 0.00% |
Piscataqua Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Piscataqua 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 Piscataqua Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17443) · FFIEC NIC profile (RSSD 591209)