Claremont Savings Bank: how it compares with its peers
Against 9 NH banks with half to twice its assets, Claremont Savings Bank's strongest measure in Q2 2026 is return on assets (0.35% vs. a 0.64% peer median). Its weakest relative measure is efficiency ratio (88.43% vs. 76.51%).
| Measure | Claremont Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.35% | 0.64% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.03% | 3.12% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.43% | 76.51% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.9M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.60% | 88.62% | Context |
What it means for lending operations
Its efficiency ratio of 88.43% is above the 76.51% 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
- Salem Co-operative Bank Salem, NH · $580M
- Primary Bank Bedford, NH · $770M
- Sugar River Bank Newport, NH · $424M
- Savings Bank of Walpole Walpole, NH · $858M
- Piscataqua Savings Bank Portsmouth, NH · $373M
Questions about Claremont Savings Bank
How big is Claremont Savings Bank?
Claremont Savings Bank, established in 1907, is headquartered in Claremont, NH. It reported $620M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Claremont Savings Bank's return on assets?
0.35% annualized in Q2 2026, against a 0.64% median for 9 NH banks with half to twice its assets, ahead of 33% of them.
What is Claremont Savings Bank's efficiency ratio?
88.43% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 76.51%, and lower is better.
Is Claremont Savings Bank growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 5.7%.
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 NH 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.