# CLAREMONT SAVINGS BANK
CLAREMONT, NH · FDIC certificate 18038 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $619.7M | |
| Deposits | $473.6M | |
| Loans and leases | $490.2M | |
| Total equity | $72.5M | |
| Loans / deposits | 102.60% (p92 of band) | 82.04% |
| Liquid assets / assets | 15.73% (p18 of band) | |
| Uninsured deposits / deposits | 12.92% (p8 of band) | 25.97% |
| Brokered deposits | 0.81% | |
| Wholesale funding | 12.26% (p82 of band) | |
| FHLB advances / assets | 10.99% | |
| Tier 1 leverage | 12.40% (p72 of band) | 10.81% |
| Unrealized securities loss / equity | -19.55% (p24 of band) | -8.10% |
| AOCI / equity | -0.36% (p49 of band) | |
| ROA (annualized) | 0.35% (p8 of band) | 1.28% |
| Net interest margin | 3.03% (p11 of band) | 3.91% |
| Efficiency ratio | 88.43% (p94 of band) | |
| Noncurrent loans | 0.45% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 198.81% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 43.55% (p50 of band) | |
| Auto loans | $666,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 90 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | loans exceed deposits, expense ratio p90 |  |
| 2012-09 | 1 |  | loans exceed deposits, expense ratio p90 |
| 2012-12 | 1 | loans exceed deposits | reserve under noncurrent |
| 2013-03 | 0 |  | loans exceed deposits |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 2 | expense ratio p90 | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | capital falling | reserve under noncurrent |
| 2014-12 | 3 | loans exceed deposits |  |
| 2015-03 | 2 |  | loans exceed deposits |
| 2015-06 | 3 | loans exceed deposits |  |
| 2015-09 | 4 | reserve under noncurrent |  |
| 2015-12 | 2 |  | capital falling, loans exceed deposits |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | expense ratio p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 5 | loans exceed deposits, capital falling |  |
| 2017-09 | 4 |  | charge-offs p90 |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 1 |  | reserve under noncurrent, loans exceed deposits |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | expense ratio p90 |
| 2019-06 | 1 | expense ratio p90 | loans exceed deposits |
| 2019-09 | 2 | securities losses >30% of equity |  |
| 2019-12 | 3 | loans exceed deposits |  |
| 2020-03 | 3 | losing money | loans exceed deposits |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 2 |  | expense ratio p90, capital falling |
| 2020-12 | 1 |  | losing money |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | expense ratio p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | losing money | expense ratio p90 |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 4 | expense ratio p90 |  |
| 2022-12 | 5 | uninsured deposits leaving |  |
| 2023-03 | 6 | brokered >10%, wholesale funding >15% | losing money |
| 2023-06 | 4 |  | capital falling, brokered >10% |
| 2023-09 | 5 | losing money |  |
| 2023-12 | 4 | NIM <2.5% | uninsured deposits leaving, losing money |
| 2024-03 | 5 | loans exceed deposits, deposits shrinking | wholesale funding >15% |
| 2024-06 | 5 | wholesale funding >15% | securities losses >30% of equity |
| 2024-09 | 2 |  | NIM <2.5%, loans exceed deposits, deposits shrinking |
| 2024-12 | 3 | loans exceed deposits, capital falling | wholesale funding >15% |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | wholesale funding >15% | capital falling |
| 2026-03 | 2 |  | wholesale funding >15% |
| 2026-06 | 3 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-28 [Starbucks coming to Washington Street in Claremont - Valley News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPWlpfaXMzLVdDdUF4V2Flb3JWd3A0ZGpjbHZObnptWXZkVFpXMkloM0lUdVZSU3BTY2tMbjI0dEhrNDJjRXJkVzVDTW9ONjNkUTNSTTJrLVVBVm9HbkEyNHdtNTBLLVd0SVhxSDktNUVfeWJ4WlJHb2VucmNWTVdMRENfTlBxM1k?oc=5) · Valley News
- 2026-04-07 [Claremont Savings Bank announces expanded business development team - vermontjournal.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPOUNQdW1CUHFjb1ZocFJGVGx0MS1sVDUtTTdNMjllU1FmUWdVNnRHeEZLNUVaRENwaGVkOExheFo5djFLWE5URUlwR1ZqaFBMTTRqQUtIbnRnX3FENkpTZkZtYzBuWloxcXNmWjE1NDdfRXB2S2hLVF9TeGtLOUNrTEU1V0pNLUsxcXpjZkM4NVJzQ3A5enBwakZud00yYmJlYnc?oc=5) · vermontjournal.com
- 2026-08-18 [The Honor Summit NH Details Plans for the 9/11 Tribute in Lights Atop Mt. Washington - USA Today](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNMllBRjVPR0dlbzVxSWFiSC1IaWVvSzhmd1lvcDVGemo4b3hSbF81WXNDcGdBZHJqQnhqV3FpNEdyS29OVDlVRzlzdC1EOHpTNEI1QXhtMkNZMGlteVVkNzZ0RlA5MUxfT0VVSXBFdU1fQ1BfUUVsUnBXQnpyVXl2cmNpUS12Q1hVYXpGQjB3UEZWMUR1NTN4YjF2YUZGdEYza0hVMTdIOWRzek9INzA4TkhOaTY2LWZEUldvQ3J0U0pEMlpsN1ljRlIzSlBlNnRi?oc=5) · USA Today
- 2025-12-23 [CSB announces retirement of Carol Vivian - vermontjournal.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMEd3VXJ6WkdVQmlBUWhtNUlJVW5wNlVVcFM2b1U1QjRfTVlSSS1DRkxkTFZqeWZKajNlSC1OV1hSa2dMbTNXMGx6cDZBWGM0R3NoZnF0OEhHM3lNZWJyazRPaDZFTHBPT19YaHhoQlpaWl8xcmQ0Z1lWZW5zVG9YREx0SQ?oc=5) · vermontjournal.com
- 2024-03-04 [New Leaders You Should Know: David Finnerty - Business NH Magazine](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOWhqd2VKY1VVZUNzX0cwNmZmN3VubkhaMmhaeW8zTVVrSHYxMm55NjhPbWhWYklKTy0xcl9EMWFKMWRfX18xMzJ6aTktVXd0ZUF2bHlCNUhEX0dYM1VvbnlFZHlmZkFaU1lFRE1oeUwxRHZaMEVwSHhkeDU0WUZQV0F0bWRBelAyQnpEVnpR?oc=5) · Business NH Magazine
- 2018-04-23 [Claremont Savings Bank announces promotion of Smith to CFO - Vermont Business Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRnNwSlhGdTNPekgyMWFKRmhxTTBjOF9VU1dyOFNjSXlTQzVtemw1UkVIb2JvcEM4ZmtuNGFHS1E1Y2NhQUxSZEZRbWFBNGJCX05TcFIxM0tlZHY5MEMyaloxbzFIMHNRUENCRVhtTlNZZWFZSzlXR1FMcjkxQ01EeTRGRmIzWUU0NzVRbHhtZlYtTG5B?oc=5) · Vermont Business Magazine
- 2025-08-27 [Claremont School Board Vice Chair Resigns, Slams ‘Architects of Disaster’ - NH Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZ2l2VjJ4Q05GVEp6YUxvSV8yaTBrU2phTGdpYVlqQ3gtM3hoYUtieUNvSFVrNzFqVGhCaFIzTDdRcHlnb0k2UlBQdkRNNEhqTzVsN2lENE1BQnFxZ1JwZGsxYXZJOGtRX1RrREViS294bF82alpmYVpudUkyNG1iQzBla1dCeEQ2blR6U2RwWEljbHpLSzVlTw?oc=5) · NH Journal
- 2025-09-05 [Claremont schools secure $4 million loan amid fiscal crisis - Valley News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5FNlg5TnBhOWxRWm1LcGhCbEd3QlNyd0ZpeTJ5a2pQWjByOERkbzVZR2swdkdpemcwa2hSbFdNM2cyc2t5M3MtQ0QtNkZqRkh6V2xGWUNNOVdYRFVPZkI3ZXdnRFd1dw?oc=5) · Valley News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18038 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "18038", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide