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BDI
MC

Merrimack County Savings Bank

Concord, New HampshireFDIC Cert #17960

STATEEstablished 18679 branches

Holding company: NEW HAMPSHIRE MUTUAL BCORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$108M
Investor CRE$117M
Multifamily$47.3M
Construction$64.8M
1–4 family$486M
C&I$103M
Agriculture$2.66M
Other$227M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$1.16B
+0.5%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSGR
Net loans
$1.14B
+0.4%y/y
Percentile by value38th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
Loans YoY
+0.45%
+127.8%y/y
Percentile by value23rd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
L/D
100.3%
−2.0%y/y
Percentile by value65th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + DEP
Loans/assets
82.2%
−2.2%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + ASSET
RE loans %
75.59%
+2.5%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
155%
+2.5%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
44%
+8.7%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,104points
+0.7%y/y
Peer standing77th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
9.34%
−4.0%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
10.13%
+3.4%y/y
Percentile by value38th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROT + LNLSGR
C&I %
8.89%
−11.3%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNCI + LNLSGR