Profile Bank
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Data as of · sourced from FFIEC call reports. How we update
Profile Bank is an FDIC-insured commercial bank headquartered in Rochester, NH, established in 1907 (FDIC certificate 28155), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $316.6M, down 0.1% from Q2 2025, the 15th largest of 16 banks headquartered in New Hampshire. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 28155
- Headquarters
- Rochester, NH
- Established
- 1907
- Total assets, Q2 2026
- $316.6M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 9.27%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 211470238
- Holding company
- PROFILE BANCORP INC.
- Asset rank in state
- 15th of 16 in New Hampshire
Profile Bank spends more to run itself than most banks of its size. It reported $317 million in assets at June 30, 2026. It earns about $0.22 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 10.0% and deposits fell 2.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.8 million equal 34% of Tier 1 capital, down from 46% a year earlier. Its margin is thin by comparison: it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Profile Bank reported a return on assets of 0.22%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Profile Bank is the 15th largest of the 16 banks headquartered in New Hampshire. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $316.6M, loans rose 2.7% and deposits fell 0.1%. 1-4 family residential loans made up 50.7% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 16.1%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in NH; its Rochester office books 49% of its branch deposits. On its Q2 2026 call report, Profile Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 45 Wakefield St, Rochester, NH 03867
- County
- Strafford
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $280.3M
- Allowance for credit losses
- $738K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $308.8M
- Average total loans
- $199.5M
- Average interest-bearing deposits
- $245.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28155
- Fed RSSD
- 672573
- Website
- www.profilebank.com →
- Parent Holding Company
- PROFILE BANCORP INC. (RSSD 3846487)
- Ultimate Parent
- PROFILE BANCORP MHC (RSSD 3846496)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Profile Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Profile Bank's total assets ranged from $295.8M (Q4 2024) to $318.6M (Q3 2025), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$316.6M total assets against $317.0M; $288.4M total liabilities against $289.5M.
$198.2M net loans and leases against $180.0M; $280.3M total deposits against $287.9M.
$76.6M securities against $82.2M; $23.3M cash and balances due against $37.2M.
$3.1M total interest income against $2.8M; $816K total interest expense against $827K.
$2.3M net interest income against $2.0M.
$269K total noninterest income against $152K; $2.3M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$168K net income against $30K.
0.22% return on assets against 0.04%; 3.09% net interest margin against 2.74%.
9.27% tier 1 leverage ratio against 9.29%.
Inside the full Profile Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Profile Bank rankings
Its closest position to the top of a national ranking is 2,384 of 4,196, for total assets; its furthest is 3,497 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.10% (Q1 2025) to 0.31% (Q3 2025) and its net interest margin ran from 2.52% (Q3 2024) to 3.09% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.27% | 0.22% | 0.02% | 0.11% | 3.09% |
| Q1 2026 | 9.17% | 0.28% | 0.10% | 0.69% | 3.09% |
| Q4 2025 | 8.91% | 0.14% | 0.10% | 0.73% | 3.03% |
| Q3 2025 | 8.75% | 0.31% | 0.07% | 0.48% | 2.94% |
| Q2 2025 | 9.29% | 0.04% | 0.00% | 0.00% | 2.74% |
| Q1 2025 | 9.29% | -0.10% | 0.17% | 1.08% | 2.54% |
| Q4 2024 | 9.43% | -0.09% | 0.00% | 0.00% | 2.53% |
| Q3 2024 | 9.31% | 0.11% | 0.03% | 0.16% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Profile Bank (main office) | Rochester , NH | 03867 | $136.0M |
| Alton Branch | Alton , NH | 03809 | $62.1M |
| Meadow St Branch | Sanbornville , NH | 03872 | $57.6M |
| Route 108 Branch | Somersworth , NH | 03878 | $22.3M |
| Dover Branch | Dover , NH | 03820 | $2.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 9, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in NH, rank 30 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $33K approved, $17K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Profile Bank
What are Profile Bank's total assets?
As of the Q2 2026 filing, Profile Bank reported total assets of $316.6 million in its FFIEC call report.
Where is Profile Bank headquartered?
It is headquartered in Rochester, NH, United States.
When was Profile Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Profile Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Profile Bank?
Profile Bank's primary federal regulator is the Federal Reserve.
How many branches does Profile Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Profile Bank's Texas Ratio?
Its Texas Ratio is 0.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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