Merrimack County Savings Bank: how it compares with its peers
Against 928 U.S. banks with half to twice its assets, Merrimack County Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.2M vs. a $8.0M peer median). Its weakest relative measure is return on assets (0.47% vs. 1.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.47% | 1.23% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.80% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.03% | 60.59% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $8.0M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.64% | 85.19% | Context |
What it means for lending operations
Its efficiency ratio of 76.03% is above the 60.59% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- 1st Financial Bank USA Dakota Dunes, SD · $1.40B
- Benchmark Community Bank Kenbridge, VA · $1.41B
- Grove Bank & Trust Miami, FL · $1.41B
- The Croghan Colonial Bank Fremont, OH · $1.41B
- Central Bank Houston, TX · $1.42B
- SULLIVAN BANK Sullivan, MO · $1.40B
Questions about Merrimack County Savings Bank
How big is Merrimack County Savings Bank?
Merrimack County Savings Bank, established in 1867, is headquartered in Concord, NH. It reported $1.41B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Merrimack County Savings Bank's return on assets?
0.47% annualized in Q2 2026, against a 1.23% median for 928 U.S. banks with half to twice its assets, ahead of 9% of them.
What is Merrimack County Savings Bank's efficiency ratio?
76.03% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 60.59%, and lower is better.
Is Merrimack County Savings Bank growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Hampshire bank ranked.