BlastPoint's Banking Scorecard
Meredith Village Savings Bank
Community
Specialty: Mortgage
NH
FDIC cert 17180
Meredith, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Meredith Village Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.38% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10% in Community
- - Efficiency Drag: Bottom 25% in Community
- - Return on Assets 0.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.7% YoY
-0.4% QoQ
|
+$219.8M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.4B
+0.3% YoY
+1.6% QoQ
|
+$433.7M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.3B
+7.6% YoY
-1.4% QoQ
|
+$147.0M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.43%
-7.7% YoY
+20.4% QoQ
|
-0.74% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.98%
+11.2% YoY
+2.7% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
83.37%
+4.5% YoY
-2.7% QoQ
|
+20.74% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.31%
-29.7% YoY
-26.0% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
107.44%
-6.8% YoY
+3.1% QoQ
|
+24.38% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.52%
+2.9% YoY
+3.5% QoQ
|
-7.53% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.27%
-30.0% YoY
-24.5% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
14.95%
+4.3% YoY
-0.2% QoQ
|
+4.71% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.39%
-0.9% YoY
+36.5% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
107.44%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Flatlined Growth
risk
#25 of 245 · Bottom 10% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.43%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#39 of 152 · Bottom 25% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.37%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.43%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.44% · Tier avg: 83.06%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
76
76th pctile
Tier 1 Capital Ratio
Current: 14.95% · Tier avg: 10.24%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
61
61th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.52% · Tier avg: 21.05%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 83.37% · Tier avg: 62.63%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 83.37% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.52% · Tier avg: 21.05%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
76
76th pctile
Tier 1 Capital Ratio
Current: 14.95% · Tier avg: 10.24%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.44% · Tier avg: 83.06%