Profile 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: 1.95 percentage points higher than in Q1 2026, at 70.98%. On return on assets, Profile Bank is 3rd from the bottom among 16 New Hampshire banks, 0.22% (Q2 2026). Profile Bank's return on assets of 0.22% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.04 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.27% |
| Equity capital to assets | 8.92% |
| Tangible equity to tangible assets | 8.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 0.37% |
| Reserve coverage of non-performing loans | 2306.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.22% |
| Return on equity | 2.38% |
| Net interest margin | 3.09% |
| Efficiency ratio | 91.86% |
| Yield on earning assets | 4.20% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.98% |
| Core deposits to total deposits | 85.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.52% |
| Securities to assets | 24.18% |
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 | 17.68% | 17.68% | 18.18% | 9.50% | 0.03% |
| Q4 2023 | 16.98% | 16.98% | 17.47% | 9.43% | -0.33% |
| Q1 2024 | 17.24% | 17.24% | 17.73% | 9.48% | -0.05% |
| Q2 2024 | 16.46% | 16.46% | 16.93% | 9.36% | -0.06% |
| Q3 2024 | 17.09% | 17.09% | 17.57% | 9.31% | 0.11% |
| Q4 2024 | 17.13% | 17.13% | 17.61% | 9.43% | -0.09% |
| Q1 2025 | 17.00% | 17.00% | 17.48% | 9.29% | -0.10% |
| Q2 2025 | 16.72% | 16.72% | 17.18% | 9.29% | 0.04% |
| Q3 2025 | 16.53% | 16.53% | 16.97% | 8.75% | 0.31% |
| Q4 2025 | 15.76% | 15.76% | 16.18% | 8.91% | 0.14% |
| Q1 2026 | 16.20% | 16.20% | 16.62% | 9.17% | 0.28% |
| Q2 2026 | — | — | — | 9.27% | 0.22% |
Profile Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Profile 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 Profile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28155) · FFIEC NIC profile (RSSD 672573)