TellerScore

Merrimack County Savings Bank is a si headquartered in Concord, New Hampshire, in business for about 159 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 9 offices.

Merrimack County Savings Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 17 banks headquartered in New Hampshire, it ranks 14th. Problem-loan coverage contributes the most (89/100, 5.5%); earnings contributes the least (39/100, 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.76%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.64%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 100.6% · 15.1% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (57 → 60), mostly because the earnings component improved by 8 points.

TellerScore
555860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202455
Q4 202457
Q1 202557
Q2 202557
Q3 202558
Q4 202559
Q1 202659
Q2 202660
Tier 1 leverage ratio
5.00%7.40%9.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.38%
Q3 20249.30%
Q4 20249.44%
Q1 20259.56%
Q2 20259.66%
Q3 20259.80%
Q4 20259.57%
Q1 20269.56%
Q2 20269.76%
Noncurrent loans
0.49%0.64%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.79%
Q3 20240.59%
Q4 20240.63%
Q1 20250.66%
Q2 20250.67%
Q3 20250.65%
Q4 20250.49%
Q1 20260.71%
Q2 20260.64%
Return on assets
0.21%0.37%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.21%
Q4 20240.23%
Q1 20250.29%
Q2 20250.26%
Q3 20250.29%
Q4 20250.27%
Q1 20260.53%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$1.4B9.76%0.64%0.47%100.6%
Q1 202659$1.4B9.56%0.71%0.53%100.3%
Q4 202559$1.4B9.57%0.49%0.27%100.6%
Q3 202558$1.3B9.80%0.65%0.29%103.0%
Q2 202557$1.4B9.66%0.67%0.26%103.1%
Q1 202557$1.4B9.56%0.66%0.29%102.3%
Q4 202457$1.4B9.44%0.63%0.23%101.6%
Q3 202455$1.4B9.30%0.59%0.21%110.0%
Q2 202455$1.4B9.38%0.79%0.36%111.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.76%
31st
Total risk-based capital14.00%
55th
Problem loans0.64%
41st
Net charge-offs0.18%
21st
Return on assets0.47%
8th
Net interest margin3.35%
29th
Efficiency ratio76.0%
11th
Loans to deposits100.6%
13th
Uninsured deposits15.1%
91st
Loan-loss reserves1.14%
49th
Texas ratio5.5%
35th

Similar-size banks in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Meredith Village Savings BankBank Meredith, NH62 out of 100, Moderate$1.6B10.3%0.41%vs
Bank of New EnglandBank Salem, NH73 out of 100, Strong$1.8B16.8%1.73%vs
Bank of New HampshireBank Laconia, NH72 out of 100, Strong$2.8B12.1%0.63%vs
Mascoma BankBank Lebanon, NH64 out of 100, Moderate$3.0B9.1%0.15%vs

Deposit insurance

Is my money safe at Merrimack County Savings Bank?

Yes. Merrimack County Savings Bank is an FDIC-insured institution (FDIC certificate #17960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.1% of deposits ($175.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.76%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Merrimack County Savings Bank lists 9 offices in 7 cities. Most locations:

  • Concord, NH (3)
  • Bow, NH (1)
  • Contoocook, NH (1)
  • Henniker, NH (1)
  • Hooksett, NH (1)
  • Nashua, NH (1)
  • Windham, NH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Merrimack County Savings Bank reported 348 home-loan applications under HMDA (LEI 549300YV7HFY5MTM2Z65): 214 originated ($87,540,000 total), 65 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Merrimack County Savings Bank
Type
SI
FDIC certificate #
17960
RSSD ID
74403
Primary regulator
FDIC
Holding company
New Hampshire Mutual Bcorp
Established
January 1, 1867
Headquarters
89 N Main St, Concord, NH 03301
Employees
195

Quick answers

Merrimack County Savings Bank: common questions

Is Merrimack County Savings Bank FDIC insured?

Yes. Merrimack County Savings Bank is an FDIC-insured institution (FDIC certificate #17960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Merrimack County Savings Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Merrimack County Savings Bank ever failed?

There is no failure record for FDIC certificate #17960 in the FDIC failed bank list.

How many branches does Merrimack County Savings Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Concord

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Primary BankBank Bedford, NH73 out of 100, Strong$769.5M16.3%1.48%vs
Bank of New EnglandBank Salem, NH73 out of 100, Strong$1.8B16.8%1.73%vs