BlastPoint's Banking Scorecard
Claremont Savings Bank
Community
Specialty: Mortgage
NH
FDIC cert 18038
Designations: ✓ Mutual
Claremont, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Claremont 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
- - Efficiency Drag: Bottom 36% in Community
- - Return on Assets 0.74% below tier
- - Loan-to-Deposit Ratio 19.48% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$620.8M
+11.0% YoY
+2.6% QoQ
|
-$770.7M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$474.5M
+10.4% YoY
+1.5% QoQ
|
-$501.0M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$462.8M
+10.8% YoY
+3.0% QoQ
|
-$701.8M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.43%
-6.7% YoY
-2.3% 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 ? |
2.94%
+14.7% YoY
+0.7% QoQ
|
-0.73% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
87.59%
-7.0% YoY
-1.5% QoQ
|
+24.96% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.42%
-33.4% YoY
-2.4% QoQ
|
-0.21% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
102.54%
-0.4% YoY
-1.5% QoQ
|
+19.48% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.70%
+1.1% YoY
-1.5% QoQ
|
-6.34% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.32%
-33.8% YoY
-3.5% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.58%
-9.8% YoY
+32.5% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Drag
risk
#56 of 152 · Bottom 36% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.59%
(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%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
102.54%
(Tier avg: 83.06%, National avg: 78.04%)
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
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
53
53th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Loans
Current: $474.5M · Tier avg: $975.5M
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.70% · Tier avg: 21.05%
17
17th pctile
Total Assets
Current: $620.8M · Tier avg: $1.4B
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.54% · Tier avg: 83.06%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
7
7th pctile
Total Deposits
Current: $462.8M · Tier avg: $1.2B
4
4th pctile
Efficiency Ratio
Current: 87.59% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 87.59% · Tier avg: 62.63%
7
7th pctile
Total Deposits
Current: $462.8M · Tier avg: $1.2B
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.54% · Tier avg: 83.06%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
17
17th pctile
Total Assets
Current: $620.8M · Tier avg: $1.4B
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.70% · Tier avg: 21.05%
26
26th pctile
Total Loans
Current: $474.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
53
53th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%