# PROFILE BANK
ROCHESTER, NH · FDIC certificate 28155 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $316.6M | |
| Deposits | $280.3M | |
| Loans and leases | $199.0M | |
| Total equity | $28.2M | |
| Loans / deposits | 70.72% (p26 of band) | 82.04% |
| Liquid assets / assets | 31.54% (p68 of band) | |
| Uninsured deposits / deposits | 25.75% (p49 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.01% (p41 of band) | |
| FHLB advances / assets | 2.01% | |
| Tier 1 leverage | 9.27% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -34.83% (p10 of band) | -8.10% |
| AOCI / equity | 0.15% (p86 of band) | |
| ROA (annualized) | 0.25% (p6 of band) | 1.28% |
| Net interest margin | 3.11% (p13 of band) | 3.91% |
| Efficiency ratio | 90.59% (p95 of band) | |
| Noncurrent loans | 0.02% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 2306.25% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 44.59% (p51 of band) | |
| Auto loans | $5.9M (2.97% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

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

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

- 2007-07-01 [Miller joins Profile Bank - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZ2MtRER4R19rOTNyR01NbjdxWl9sMzM5NEJGVVFHQ0FZNHh6bEdkd1l0WWhfbVRoZkhHS3pjd01meFFtcFRJclloUTVkZHZScGFoaE56Mm5scm9ta2V4Q1FxZzJZTU10bHBxYWJUS0xGbkhyanE5dHFmRkw3WVFDTWY2X0JnLWpWT1VEaEttMjJBUQ?oc=5) · Foster's Daily Democrat
- 2007-09-17 [A financial century: Profile bank celebrates milestone; local focus steady growth - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUElUR0RWUXY5VFRtTkZDWjdlSEw2NEpZYl9zbF9CSGl5RHFWZkVnSWZJNENGRVdhUjNkSVBsM01sTDBlZEI2ZV9KZGYyQnliTXdua2I5MXRaUEY1VkczUTNBX1lPU1JwbGRCeFdCZzFGNlJreGV2ZmNzZElwN1lqWWpfVWZRT0h2eHZxcmptYkJVa0RGclE?oc=5) · Foster's Daily Democrat
- 2024-01-05 [Pursuit For Felon Spans From Nashua, Merrimack, To New Boston - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSXdBbkNCUDJlbTJ6Tm1zUUU5dFI1X1VDY0R6ZGFoMFgyYkRmTjBSY0YyNnFOLUF3RjQzVEdFZlZZd244ZmxyeTZDbHZ6TVMyTnlIZlV5Z2lFRHM1RURpV3p1RjI4YVNmcG5IaHdtbXpUeVhSM1VwSnBsY2E4cFRmQWhfTjYtUjZnWHJaQ3NQc0FzMEhPcmw0bjVRRFFXOWs?oc=5) · Patch
- 2008-05-01 [Profile Bank welcomes new executive V.P. - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcnJOUENNV3hZanM0QlQzMGNSbWk4TzdPWDllUm94MzNFWnNLajhnNFpQYWpOc1BteXhGbHpuOWg5djdvMWlsUXQ0STlQcnI4RmRkbjMzMmFWUXpQVjRuSi1Ucjl0akU1YnJCRmJ3UXVDbWZwUXFqOXhtLWRmRzNXQW02WHp1eUxaUnZqV1JhN2k3SElzZHl1RnhtblpwTnM?oc=5) · Foster's Daily Democrat
- 2008-05-29 [Profile Bank announces 'Millionaires for a Day' - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZHRnRE9SZWNVbE1Ib0lNeVBfZTIwUl9QNzFyTGZpY0lyU0lSSzlHM2hsNDdyVHI2UWZNY2xrZUdoWVVLMUdtWUxaM0VKbkxadklDc2ltLTdWVTYxdGt1bDhSbUVxeXQ3cTFCN1BXNXprTzZiZ0xFVF9Lb2xLQ2JNbnF4MlUxeGNhMG55SEtRLXk4N19tWTVRdkgxTC1MVlA3U2RjY293?oc=5) · Foster's Daily Democrat
- 2010-12-16 [Wilman elected to the Federal Home Loan Bank of Boston Board - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMimgFBVV95cUxNbld5clkxc09HOUJNNG9CN2FEeUxCUUIyNGlRbGFyQ3pSVW1xVXl6bHBDZDhPWGdVSnEyTXd1UTBMR2dqV2tKdzQ4aWJrVy1EbE9sSXRlQ2RUVW1iSm5wdUFORFZSR2hQYXdNWVdUZWJqYnBKcklNa0tOa2lRcnc4ZC11OGFzQWlvVjBDMGNEb0lnXzVlWjBIejRB?oc=5) · Foster's Daily Democrat
- 2012-09-13 [Profile Bank's golf tourney helps homeless families - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMilAFBVV95cUxOOUVFeVpONlU3TFZEWHlLQ2F2ZHI0RkZqOE5LemxaMnA2UXRDQ0hGMTRJazhkZWxJeGNWNXZyd3BpVVczT0FmSExYLUlzbktwRDkteEFheFN6NkZyYm5wTHNpQjRhQ2xOYmQxVUVQcGdwbE4yNFJaMElIUEtJLWVkWU5WLWRnMVhyUDhmMThxSlV6TWFP?oc=5) · Foster's Daily Democrat
- 2015-01-08 [Janet Hand retires from banking after 45 years - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMilAFBVV95cUxOYjB5WEl6OWpjQUp0ekZHZklrazNRYkxIWVkxMTVJQnNSUUFwOGYtaXo1b3ByMWRsZmNVRUZscVg2VWxybHJ4aVRUNGFaeEt4UU1na3IzM05aWWhhMnJ5MEJ3Zmd3OFZ3OTRCQ3puZWFFUk5sNDctcHB0azRjYnNsaGJOUDZsbzNVUUx0LTlKR0R3U0Vx?oc=5) · Foster's Daily Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28155 (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/59.json (key "28155", 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