BlastPoint's Banking Scorecard
Profile Bank
Micro
Specialty: Commercial
NH
FDIC cert 28155
Designations: ✓ Community bank
Rochester, NH
2498
banks in Micro tier nationally
6 in NH
View Micro leaderboard (NH) →
Profile Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Efficiency Ratio 26.97% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.2M
+6.2% YoY
-1.4% QoQ
|
+$96.8M |
$217.5M
+2.3% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$197.5M
+13.5% YoY
+7.1% QoQ
|
+$58.3M |
$139.2M
+2.8% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$276.2M
+7.4% YoY
-4.5% QoQ
|
+$92.5M |
$183.7M
+1.8% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.10%
+538.5% YoY
+14.6% QoQ
|
-0.98% |
1.08%
+14.7% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.88%
+17.0% YoY
+3.1% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
94.69%
-6.3% YoY
-1.1% QoQ
|
+26.97% |
67.73%
-4.8% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.11%
+41.8% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
71.50%
+5.6% YoY
+12.1% QoQ
|
-3.02% |
74.53%
+0.5% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
11.52%
-3.8% YoY
+5.2% QoQ
|
-10.87% |
22.39%
-1.3% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+53.9% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
15.76%
-8.0% YoY
-4.7% QoQ
|
+6.91% |
8.85%
-3.4% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.20%
-12.9% YoY
+37.1% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.69%
(Tier avg: 67.73%, National avg: 65.09%)
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
77
77th pctile
Total Deposits
Current: $276.2M · Tier avg: $183.7M
75
75th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 8.85%
75
75th pctile
Total Assets
Current: $314.2M · Tier avg: $217.5M
73
73th pctile
Total Loans
Current: $197.5M · Tier avg: $139.2M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.50% · Tier avg: 74.53%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.52% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.69% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 94.69% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.52% · Tier avg: 22.39%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.50% · Tier avg: 74.53%
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
73
73th pctile
Total Loans
Current: $197.5M · Tier avg: $139.2M
75
75th pctile
Total Assets
Current: $314.2M · Tier avg: $217.5M
75
75th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 8.85%
77
77th pctile
Total Deposits
Current: $276.2M · Tier avg: $183.7M