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Merrimack County Savings Bank

IDRSSD: 74403
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #74403 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.3% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.72% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -1
59
Sub-score

Liquidity is deteriorating: brokered 4.2%, loans/deposits 115.3%, cash 1.7% of assets.

Cash / Assets
1.72%
Loans / Deposits
115.26%
Brokered %
4.24%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.35%
No watch items at this period.

Capitalization

StrongQoQ +1
84
Sub-score

Capital position is strong: Tier 1 RBC 12.21%, CET1 12.21%, leverage 9.36%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
9.36%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 6.6%, NCO YTD 0.06%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.06%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
66
Sub-score

Reserves are stable: ALLL 0.98% of loans, coverage 124.1%, true coverage 124.1%.

ALLL / Loans
0.98%
Coverage
124.1%
True Loss Coverage
124.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 20:00:58 UTC