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Merrimack County Savings Bank
Concord, NH · FDIC Certificate #17960 · Chartered 01/0
Total assets
$1.41B
Total deposits
$1.16B
Total equity
$125.71M
Net loans
$1.17B
Branches (offices)
9
Net income (YTD)
$3.30M
Rank: #785 of 4,213 U.S. banks by assets · #5 of 16 in New Hampshire. Assets changed 4.1% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.47% |
| Return on equity | 5.30% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 8.93% |
| Tier 1 leverage ratio | 9.76% |
| Uninsured deposits (share of deposits) | 15.1% |
| Noncurrent loans (share of loans) | 0.64% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 100.6% |
| Real estate loans (share of loans) | 71.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $839.68M | 71.7% | |
| Commercial & industrial | $106.17M | 9.1% | |
| Consumer / individual | $234.51M | 20.0% | |
| Construction & development | $65.63M | 5.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.23B | $1.01B | $4.67M | $104.40M |
| Jun 2023 | $1.36B | $1.04B | $3.19M | $108.31M |
| Jun 2024 | $1.38B | $1.05B | $2.44M | $114.74M |
| Jun 2025 | $1.35B | $1.10B | $1.78M | $119.32M |
| Jun 2026 | $1.41B | $1.16B | $3.30M | $125.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Hampshire | $1.16B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.16B.
Similar-sized banks
Benchmark Community Bank ($1.41B) · 1St Financial Bank Usa ($1.40B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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