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Merrimack County SB Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Merrimack County SB's top rates as of October 12, 2026 are 4.00% APY on its 15-Month Certificate, 0.35% APY on savings, 0.45% APY on money market accounts, 0.05% APY on checking, and personal loans from 7.763% APR, according to rates verified by MonitorBankRates. Other Merrimack County SB CD rates include 1-Months 1 1/2 Year (18-Month) at 3.85%, 1 Year Certificate at 3.75%, and 6-Month Add-On at 3.65%. MonitorBankRates evaluates the financial stability of Merrimack County SB with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.04%. Rates last updated and verified on 10/12/2026.

Merrimack County SB money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Merrimack County SB? Share your experience about Merrimack County SB by leaving a review below, or read customer reviews before you decide to use Merrimack County SB.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.04%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Merrimack County SB
89 N Main St
Concord, NH 03301
https://www.themerrimack.com/
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Merrimack County SB CD Rates

Product Rate APY Term View More
15 Month Certificate 3.93% 4.00% 15 Month
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
1 1/2 Year (18 Month) 3.78% 3.85% 1 months
Min Deposit $500
Min Balance $500
Details Term: 1 1/2 Year (18 Month)
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
1 Year Certificate 3.69% 3.75% 1 Year
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
6 Month Add-On 3.59% 3.65% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
9 Month Certificate 3.35% 3.40% 9 Month
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
90 Day Certificate 2.96% 3.00% 90 Day
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
2 Year Certificate 2.47% 2.50% 2 Year
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 20, 2026: 2.50% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
3 Year Certificate 1.24% 1.25% 3 Year
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 20, 2026: 1.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
4 Year Certificate 0.50% 0.50% 4 Year
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
5 Year Bump-Up 0.50% 0.50% 5 Year
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%

Merrimack County SB Savings Rates

Product Rate APY View More
Health Savings Account 0.35% 0.35%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000.00 and over
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 20, 2026: 0.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Health Savings Account 0.25% 0.25%
Min Deposit $10
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Youth Savings 0.25% 0.25%
Min Deposit $1
Min Balance $1
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Savings 0.20% 0.20%
Min Deposit $10
Min Balance $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Health Savings Account 0.20% 0.20%
Min Deposit $10
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Savings 0.15% 0.15%
Min Deposit $10
Min Balance $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Savings 0.10% 0.10%
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Savings 0.10% 0.10%
Min Deposit $10
Min Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Goal-Setter Savings/GOALS 0.10% 0.10%
Min Deposit $2
Min Balance $2
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Health Savings Account 0.10% 0.10%
Min Deposit $10
Min Balance $0
Details Balance: $0.01 - $499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Health Savings Account 0.10% 0.10%
Min Deposit $10
Min Balance $500
Details Balance: $500.00 - $2,499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%

Merrimack County SB Money Market Rates

Product Rate APY View More
Premier Personal Money Market 0.45% 0.45%
Min Deposit $25,000
Min Balance $250,000
Details Premier Money Market
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 8, 2026: 0.45% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Premier Personal Money Market 0.35% 0.35%
Min Deposit $25,000
Min Balance $100,000
Details Premier Money Market
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Money Market 0.30% 0.30%
Min Deposit $500
Min Balance $250,000
Details Balance: $250,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Money Market 0.25% 0.25%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Premier Personal Money Market 0.25% 0.25%
Min Deposit $25,000
Min Balance $50,000
Details Premier Money Market
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Money Market 0.20% 0.20%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Premier Personal Money Market 0.20% 0.20%
Min Deposit $25,000
Min Balance $25,000
Details Premier Money Market
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Money Market 0.15% 0.15%
Min Deposit $500
Min Balance $1,000
Details Balance: $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Everyday Money Market 0.15% 0.15%
Min Deposit $500
Min Balance $10,000
Details Balance: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%

Merrimack County SB Checking Rates

Product Rate APY View More
Premier Checking 0.05% 0.05%
Min Deposit $10
Min Balance $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Premier Checking 0.03% 0.03%
Min Deposit $10
Min Balance $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Premier Checking 0.02% 0.02%
Min Deposit $10
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 20, 2026: 0.02% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Better Checking 0.01% 0.01%
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Senior Checking 0.01% 0.01%
Min Deposit $10
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%

Merrimack County SB RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycles, SeaDoos, Snowmobiles, ATVs - New & Used Loan 9.25% 9.75% 48 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 16, 2026: 9.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%

Merrimack County SB Personal Loan Rates

Product APR Term View More
Personal - 2026 & 2025 Loan 7.763% 72 months
Details Loan Amount Example: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.76% APR · checked 2 times
7.26%7.76%8.26%Oct 8, 2026: 7.76% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal - 2026 & 2025 Loan 8.053% 84 months
Details Loan Amount Example: $35,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.05% APR · checked 2 times
7.55%8.05%8.55%Oct 8, 2026: 8.05% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal - 2024 & 2023 Loan 8.301% 60 months
Details Loan Amount Example: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.30% APR · checked 2 times
7.80%8.30%8.80%Oct 8, 2026: 8.30% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal - 2024 & 2023 Loan 8.514% 72 months
Details Loan Amount Example: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.51% APR · checked 2 times
8.01%8.51%9.01%Oct 8, 2026: 8.51% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal - 2022 & 2021 Loan 8.812% 60 months
Details Loan Amount Example: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.81% APR · checked 2 times
8.31%8.81%9.31%Oct 8, 2026: 8.81% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal - 2020 & 2019 Loan 9.635% 48 months
Details Loan Amount Example: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 9.64% APR · checked 2 times
9.14%9.64%10.14%Oct 8, 2026: 9.64% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal - 2018 & Older Loan 10.924% 36 months
Details Loan Amount Example: $7,500.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.92% APR · checked 2 times
10.42%10.92%11.42%Oct 8, 2026: 10.92% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Personal Unsecured Loan 12.13% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 12.13% APR · checked 5 times
11.63%12.13%12.63%Sep 20, 2026: 12.13% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%

Merrimack County SB Other Rates

Product Rate Points APY/APR Term View More
Energy Loans 2.00% - 2.00% 84 months
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.00% APR · checked 6 times
1.50%2.00%2.50%Sep 16, 2026: 2.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Home Improvement Loan 9.25% - 9.394% 84 months
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.39% APR · checked 6 times
8.89%9.39%9.89%Sep 16, 2026: 9.39% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
New & Used Loan 9.25% - 9.327% 120 months
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 9.33% APR · checked 5 times
8.83%9.33%9.83%Sep 20, 2026: 9.33% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Solar Program Loan 8.74% - 8.814% 120 months
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.81% APR · checked 6 times
8.31%8.81%9.31%Sep 16, 2026: 8.81% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Solar Program Loan 9.24% - 9.275% 180 months
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.28% APR · checked 7 times
8.78%9.28%9.78%Sep 16, 2026: 9.28% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.04%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Merrimack County SB’s Texas Ratio fell from 8.07% in Q3 2023 to 6.04% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.07% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A+ Q4 2025 A Q1 2026 6.04% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.4B6.04%5.0A
March 31, 2026$1.4B6.59%5.0A
December 31, 2025$1.4B4.61%5.0A+
September 30, 2025$1.3B6.13%5.0A
June 30, 2025$1.4B6.41%5.0A
March 31, 2025$1.4B6.42%5.0A
December 31, 2024$1.4B6.26%5.0A
September 30, 2024$1.4B5.74%5.0A+
June 30, 2024$1.4B7.96%5.0A
March 31, 2024$1.4B8.00%5.0A
December 31, 2023$1.4B8.03%5.0A
September 30, 2023$1.4B8.07%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Merrimack County SB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Merrimack County SB rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Merrimack County SB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Merrimack County SB
Bank Holding Company NEW HAMPSHIRE MUTUAL BCORP
Address 89 N Main St, Concord, NH 03301  ·  Merrimack
Website https://www.themerrimack.com/
FDIC Certificate # 17960
Established 18670101
FDIC Insurance Date 19590122
Domestic Offices 9
Total Branches 9
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
6.04%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.4737%
Return on Equity (ROE) 5.3000%
Non-Performing Loans (NPL) 0.54%
Total Assets $1,407,191,000
Total Deposits $1,164,347,000
Equity Capital $125,710,000
Net Income $3,302,000
Headquarters Concord
Total Branches and Offices 9
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Merrimack County SB earned the Verified Healthy badge

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Frequently Asked Questions About Merrimack County SB

How many branches does Merrimack County SB operate?

Merrimack County SB currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Merrimack County SB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Merrimack County SB provides members with tools to manage their accounts and build a solid financial history.

Does Merrimack County SB offer online and mobile banking?

Most modern institutions like Merrimack County SB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.themerrimack.com/.

Current Merrimack County SB Rates

  • 12-Month CD3.75%
  • 24-Month CD2.50%
  • 36-Month CD1.25%
  • 48-Month CD0.50%
  • 60-Month CD0.50%
  • Savings0.35%
  • MMA0.45%
Retrieved from our database of financial products. Rates subject to change.

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