Profile Bank (FDIC #28155): Bank Stress & Real-Estate Credit Exposure

Profile Bank (FDIC Cert #28155): bank stress 89/100, severe, STABLE over 7 days; parent PROFILE BCORP MHC.

Profile Bank (#28155) lends in 3 counties across 1 state; Profile Bank (#28155) reaches 60 ZIP codes: New Hampshire 3 counties, 60 ZIPs.

Profile Bank (#28155) largest markets: Carroll County, NH (31 branches, 31 ZIPs) (#28155), Strafford County, NH (51 branches, 17 ZIPs) (#28155), Belknap County, NH (15 branches, 15 ZIPs) (#28155).

Profile Bank (#28155) reports $316.6 million in total assets; Profile Bank (#28155) equity $28.2 million (8.9% of Profile Bank (#28155) assets); Profile Bank (#28155) domestic deposits $280.3 million; Profile Bank (#28155) net income $387,000; Profile Bank (#28155) return on assets 0.25%; Profile Bank (#28155) return on equity 2.76%; Profile Bank (#28155) net interest income $4.6 million; Profile Bank (#28155) call report June 30, 2026.

Profile Bank (#28155) noncurrent real-estate loans: none reported; Profile Bank (#28155) net charge-offs on real estate 0.02%.

Profile Bank (#28155) net interest margin 3.11% against an eight-quarter Profile Bank (#28155) average of 2.76% (Profile Bank (#28155) compression -0.35 points); Profile Bank (#28155) rate-exposure score 40/100, Profile Bank (#28155) fixed-rate trap 40/100; Profile Bank (#28155) risk type credit driven; Profile Bank (#28155) rate regime rates elevated, Profile Bank (#28155) snapshot October 20, 2026.

Profile Bank (#28155) stress score moved from 86.4 on June 22, 2026 to 89.4 on October 20, 2026; Profile Bank (#28155) ranged 86.4 to 89.4 over 117 snapshots.

Profile Bank (#28155) alerts: 3 counties; top Profile Bank (#28155) alert scores: Alton County, NH 29 (low); Sanbornville County, NH 29 (low); Somersworth County, NH 29 (low).