FDIC Cert #17960 · Concord, New Hampshire · Est. 1867

Merrimack County Savings Bank - FDIC Bank Health Profile

A community-scale look at Merrimack County Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
C
Health grade · Fair
0.27%
Return on assets
12.7%
Tier 1 capital

Data updated July 2026

The verdict

Merrimack County Savings Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.71% Tier 1, 0.27% ROA, 82% efficiency ratio.

#797
largest of 4,313 FDIC banks by assets
82nd
percentile by asset size, nationally
12.71%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17960 · NH C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3620/4307
  • PHOTO-FINISH First County Bank · CT
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-CLEAN 4.2% Texas
  • ROA-THIN 0.27% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Hampshire: First County Bank, CT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Merrimack County Savings Bank

Lowest and highest poles plus nearest scored peers outside New Hampshire, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Fairfield County Bank · CT ·…62/100First County Bank · CT · near62/100First Independent Bank · MO …62/100Merrimack County Sav… · NH ·…62/100Palmetto State Bank · SC · n…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merrimack County Savings Bank · July 2026

Plate reading for Merrimack County Savings Bank where failures stay rare

Merrimack County Savings Bank (FDIC Cert #17960) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,620 of 4,307. Tier 1 capital prints at 12.71%, clearing the 10% well-capitalized line. The Texas Ratio is 4.18%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.27%. Balance-sheet scale is $1.4B, 797th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First County Bank (CT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Merrimack County Savings Bank

Only 1 FAILURE resolution in New Hampshire since 2000

Merrimack County Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST ALLIANCE BANK AND TRUST CO MANCHESTER, NH 2001 → SOUTHERN NEW HAMPSHIRE BANK
  • SEACOAST SAVINGS BANK DOVER, NH 1992 → FIRST S&LA OF NEW HAMPSH
  • THE SOMERSWORTH BANK SOMERSWORTH, NH 1992 → NEW DARTMOUTH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Hampshire banks.

How Merrimack County Savings Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Merrimack County Savings Bank's composite health score
Tier 1 Capital Ratio (12.71%) 35/40
Return on Assets (ROA) (0.27%) 7/25
Texas Ratio (4.18%) 20/20
Efficiency Ratio (82.14%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$1.1B

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.31% 12.71% 14.11%
Basel III capital ratios - Merrimack County Savings Bank

Where Merrimack County Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merrimack County Savings Bank's score of 62/100 falls in the highlighted band.

Merrimack County Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Merrimack County Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Merrimack County Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Merrimack County Savings Bank's $1.4B falls in the highlighted band.

Safety metrics: Merrimack County Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

12.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.71%
Texas Ratio
4.18%
Equity Capital
$123M

What these ratios mean →

Profitability metrics: Merrimack County Savings Bank

Return on Assets (ROA)
9th percentile nationally
0.27%
Return on Equity (ROE)
3.06%
Efficiency Ratio
82.14%

What these mean →

Income & expense at Merrimack County Savings Bank

$66M
Interest Income
$4M
Non-Interest Income
$36M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Merrimack County Savings Bank reports a Texas Ratio of 4.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Merrimack County Savings Bank on FDIC BankFind →

Top banks in New Hampshire by total assets

Largest banks headquartered in New Hampshire
  1. 1
    Mascoma Bank $3.0B

    Lebanon, NH · Grade C

  2. 2
    Bank of New Hampshire $2.7B

    Laconia, NH · Grade B

  3. 3
    Bank of New England $1.8B

    Salem, NH · Grade A

  4. 4
    Meredith Village Savings Bank $1.6B

    Meredith, NH · Grade C

  5. 5
    Merrimack County Savings Bank $1.4B

    Concord, NH · Grade C

Top 5 banks in New Hampshire ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside New Hampshire so the neighborhood is not state containment.

Ulster Savings Bank $1.4B · NY North State Bank $1.4B · NC Fidelity Co-operative Bank $1.4B · MA Southwestern National Bank $1.4B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merrimack County Savings Bank (FDIC Cert #17960) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Merrimack County Savings Bank Call Report profile · FDIC Failed Bank List · New Hampshire FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Hampshire

All New Hampshire banks →
BankAssetsGradeROA
Mascoma BankLebanon $3.0B C 0.52%
Bank of New HampshireLaconia $2.7B B 0.92%
Bank of New EnglandSalem $1.8B A 2.28%
Meredith Village Savings BankMeredith $1.6B C 0.43%
Franklin Savings BankFranklin $917M B 0.77%
Savings Bank of WalpoleWalpole $839M B 0.78%
Primary BankBedford $723M A 1.62%
Claremont Savings BankClaremont $620M C 0.43%