C
Merrimack County Savings Bank
ConcordNH
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Loading...
Major Rating Factors: Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.7) profitability. A current level of 5.4 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors: Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix: Home mtgs (33%), comm re (17%), consumer loans (16%), securities (9%), comm loans (9%), cash (3%), home eq lns (3%), other (11%)
States with Branches: NH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
New Hampshire Mutual Bancorp
Investment Rating
--
Address
89 North Main Street
Concord, NH 03301
Phone Number
(603) 223-2605
Year Founded
1867
FDIC Number
Largest Affiliates