Merrimack County Savings Bank
Concord, NH
IDRSSD: 74403
Total Assets
$1.38B
Latest filing
Total Deposits
$1.14B
Latest filing
Net Interest Margin
3.28%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
011401928CONCORD, NH
Key People
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Locations
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Main Office
Merrimack County Savings Bank
89 N Main St
Concord, NH 03301
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1867FDIC Certificate 11893
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Merrimack County Savings Bank (Main) | 89 N Main St | Concord, NH |
| INTEGRA DRIVE BRANCH | 1 Integra Dr | Concord, NH |
| NORTH STATE STREET BRANCH | 167 N State St | Concord, NH |
| BOW BRANCH | 503 South St | Bow, NH |
| CONTOOCOOK BRANCH | 35 Kearsarge Ave | Contoocook, NH |
| NASHUA BRANCH | 101 Broad St | Nashua, NH |
| LONDONDERRY TURNPIKE ROAD HOOKSETT BRANCH | 360 Londonderry Tpke | Hooksett, NH |
| WINDHAM BRANCH | 1b Wall Street, Unit 106 | Windham, NH |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1867 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 03301 |
| State and County Number | 33013 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Concord, NH |
Operational Info
| Number of Employees | 197 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/22/1959 |
| Primary Insurance Agency | DIF |
| Website | http://www.mcsbnh.com |
| Data Updated | 01/30/2026 |
| CERT | 17960 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.38B |
| Total Deposits | $1.14B |
| Total Liabilities | $1.26B |
| Total Equity Capital | $123.15M |
| Net Income | $747.00k |
| Net Loans and Leases | $1.14B |
| Assets Per Employee ($Millions) | $7.21M |
| Bank Premises and Fixed Assets | $18.13M |
| Cash and Balances due from Depository Institutions | $61.35M |
| Deposits Held in Domestic Offices | $1.14B |
Key Performance Ratios
| Return on Assets (ROA) | 0.22% |
| Return on Equity (ROE) | 2.44% |
| Net Interest Margin | 3.28% |
| Efficiency Ratio | 74.31% |
| Tier 1 Risk-Based Capital Ratio | 12.706% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.67% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.896% |
| Earning Assets to total Assets | 95.33% |
Income and Expense
| Total Interest Income | $16.92M |
| Total Noninterest Income | $1.24M |
| Total Interest Expense | $6.25M |
| Total Noninterest Expense | $8.85M |
| Net Interest Income | $10.66M |
| Pre-tax Net Operating Income | $762.00k |
| Provision for Credit Losses | $2.30M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $63.24M |
| Federal Funds Sold & Reverse Repurchase Agreement | $649.00k |
| Federal Funds Purchased and Repurchased Agreement | $53.18M |
| All Other Liabilities | $9.58M |
| Total Liabilities and Capital | $1.38B |
Securities
| Securities | $125.60M |
| Available-for-sale debt securities | $125.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Merrimack County Savings Bank?
$1.38B as of the latest filing.
How much are Merrimack County Savings Bank's total deposits?
$1.14B in total deposits.
Where is Merrimack County Savings Bank located?
Concord, NH.
What is the Net Interest Margin?
3.28%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1867.
What is the Return on Assets (ROA)?
0.22%.
How much are total loans and leases?
$1.14B (latest filing).
What is the total interest income (latest filing)?
$16.92M.