Total Assets
$2.7B
Total balance-sheet footings
FDIC Cert #18012 · Laconia, New Hampshire · Est. 1831
Bank of New Hampshire - FDIC Bank Health Profile
A community-scale look at Bank of New Hampshire's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.7B
- Total assets
- B
- Health grade · Good
- 0.92%
- Return on assets
- 13.3%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of New Hampshire earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.27% Tier 1, 0.92% ROA, 64% efficiency ratio.
- #462
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 13.27%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of New Hampshire's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of New Hampshire's composite health score
Tier 1 Capital Ratio (13.27%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.37%) 20/20
Efficiency Ratio (63.72%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of New Hampshire ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of New Hampshire's score of 77/100 falls in the highlighted band.
Bank of New Hampshire's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of New Hampshire's $2.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.27%
Texas Ratio
0.37%
Equity Capital
$319M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
8.17%
Efficiency Ratio
63.72%
What the numbers say about Bank of New Hampshire
Bank of New Hampshire is an FDIC-insured institution (Certificate #18012) headquartered in Laconia, New Hampshire, established in 1831. It holds $2.7B in total assets - 462nd of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $2.1B in net loans. Its capital position: a Tier 1 ratio of 13.27%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.37% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of New Hampshire sits 2nd of 17 banks headquartered in New Hampshire by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$121M
Interest Income
$16M
Non-Interest Income
$59M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of New Hampshire reports a Texas Ratio of 0.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Hampshire by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of New Hampshire (FDIC Cert #18012) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Mascoma BankLebanon | $3.0B | C | 0.52% |
| Bank of New EnglandSalem | $1.8B | A | 2.28% |
| Meredith Village Savings BankMeredith | $1.6B | C | 0.43% |
| Merrimack County Savings BankConcord | $1.4B | C | 0.27% |
| Franklin Savings BankFranklin | $917M | B | 0.77% |
| Savings Bank of WalpoleWalpole | $839M | B | 0.78% |
| Primary BankBedford | $723M | A | 1.62% |
| Claremont Savings BankClaremont | $620M | C | 0.43% |
Frequently asked questions
What is Bank of New Hampshire's health grade?▼
Bank of New Hampshire receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of New Hampshire?▼
Bank of New Hampshire holds $2.7B in total assets and $2.3B in deposits, ranking 462nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Laconia, New Hampshire.
Is my money safe at Bank of New Hampshire?▼
Yes, deposits at Bank of New Hampshire (Certificate #18012) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of New Hampshire's Tier 1 Capital Ratio?▼
Bank of New Hampshire has a Tier 1 Capital Ratio of 13.27%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of New Hampshire?▼
Bank of New Hampshire has a Texas Ratio of 0.37%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of New Hampshire?▼
Bank of New Hampshire has an Efficiency Ratio of 63.72%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of New Hampshire's profile as a depositor or analyst.
- Bank of New Hampshire's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of New Hampshire against other New Hampshire banks before moving funds. New Hampshire banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.