Profile Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Profile Bank's strongest measure in Q2 2026 is assets per employee ($5.6M vs. a $6.7M peer median). Its weakest relative measure is efficiency ratio (90.59% vs. 62.00%).
| Measure | Profile Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.25% | 1.29% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.94% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.59% | 62.00% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.7M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.72% | 78.87% | Context |
What it means for lending operations
Its efficiency ratio of 90.59% is above the 62.00% 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
- Longview Community Bank Mount Pulaski, IL · $317M
- Putnam County State Bank Unionville, MO · $318M
- Bank of York York, SC · $318M
- Community Bank Longview, TX · $315M
- The National Iron Bank Salisbury, CT · $318M
- Centera Bank Sublette, KS · $318M
Questions about Profile Bank
How big is Profile Bank?
Profile Bank, established in 1907, is headquartered in Rochester, NH. It reported $317M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Profile Bank's return on assets?
0.25% annualized in Q2 2026, against a 1.29% median for 999 U.S. banks with half to twice its assets, ahead of 5% of them.
What is Profile Bank's efficiency ratio?
90.59% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 62.00%, and lower is better.
Is Profile Bank growing its loans?
Net loans grew 10.1% over the year to Q2 2026, while deposits shrank 2.7%.
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 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.