BlastPoint's Banking Scorecard
Merrimack County Savings Bank
Community
Specialty: Commercial
NH
FDIC cert 17960
Concord, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Merrimack County Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28% in Community
- - Efficiency Drag: Bottom 28% in Community
- - Return on Assets 0.90% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.2% YoY
+2.7% QoQ
|
-$7.1M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.1B
+0.3% YoY
+1.0% QoQ
|
+$166.3M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.1B
+1.3% YoY
+3.5% QoQ
|
-$29.4M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.27%
+18.6% YoY
-6.2% QoQ
|
-0.90% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.07%
+11.5% YoY
+2.0% QoQ
|
-0.59% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
82.14%
+2.2% YoY
-3.4% QoQ
|
+19.51% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.50%
-21.8% YoY
-24.8% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
100.57%
-1.0% YoY
-2.3% QoQ
|
+17.51% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.48%
-1.6% YoY
-5.5% QoQ
|
-5.56% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.41%
-23.3% YoY
-26.0% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.71%
+2.0% YoY
-0.3% QoQ
|
+2.46% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.32%
+7.3% YoY
+35.9% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#142 of 513 · Bottom 28% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.57%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Efficiency Drag
risk
#43 of 152 · Bottom 28% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.14%
(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 6%
in Community
Return on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Why this stands out
Current:
0.27%
(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
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
55
55th pctile
Tier 1 Capital Ratio
Current: 12.71% · Tier avg: 10.24%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.48% · Tier avg: 21.05%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.57% · Tier avg: 83.06%
8
8th pctile
Efficiency Ratio
Current: 82.14% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.16%
Top Weaknesses
6
6th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.14% · Tier avg: 62.63%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.57% · Tier avg: 83.06%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.48% · Tier avg: 21.05%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.71% · Tier avg: 10.24%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M