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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 18012 · NH B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2304/4307
  • PHOTO-FINISH Bank of Hawaii · HI
  • TIER1-WELL 13.3% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Hampshire: Bank of Hawaii, HI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of New Hampshire

Lowest and highest poles plus nearest scored peers outside New Hampshire, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank of Com… · TX ·…77/100Bank of Hawaii · HI · near77/100Bank of New Hampshire · NH ·…77/100First National Bank… · TX · …77/100Newtown Savings Bank · CT · …77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of New Hampshire · July 2026

Plate reading for Bank of New Hampshire where failures stay rare

Bank of New Hampshire (FDIC Cert #18012) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,304 of 4,307. Tier 1 capital prints at 13.27%, clearing the 10% well-capitalized line. The Texas Ratio is 0.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $2.7B, 462nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Hawaii (HI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of New Hampshire

Only 1 FAILURE resolution in New Hampshire since 2000

Bank of New Hampshire is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST ALLIANCE BANK AND TRUST CO MANCHESTER, NH 2001 → SOUTHERN NEW HAMPSHIRE BANK
  • SEACOAST SAVINGS BANK DOVER, NH 1992 → FIRST S&LA OF NEW HAMPSH
  • THE SOMERSWORTH BANK SOMERSWORTH, NH 1992 → NEW DARTMOUTH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Hampshire banks.

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.

0/100100/100National avg77/10077/100
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 Assets

$2.7B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.87% 13.27% 14.67%
Basel III capital ratios - Bank of New Hampshire

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of New Hampshire 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Bank of New Hampshire

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

What these ratios mean →

Profitability metrics: Bank of New Hampshire

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
8.17%
Efficiency Ratio
63.72%

What these mean →

Income & expense at Bank of New Hampshire

$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.

FDIC Failed Bank List → View Bank of New Hampshire on FDIC BankFind →

Top banks in New Hampshire by total assets

Largest banks headquartered in New Hampshire
  1. 1
    Mascoma Bank $3.0B

    Lebanon, NH · Grade C

  2. 2
    Bank of New Hampshire $2.7B

    Laconia, NH · Grade B

  3. 3
    Bank of New England $1.8B

    Salem, NH · Grade A

  4. 4
    Meredith Village Savings Bank $1.6B

    Meredith, NH · Grade C

  5. 5
    Merrimack County Savings Bank $1.4B

    Concord, NH · Grade C

Top 5 banks in New Hampshire ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.7B here), outside New Hampshire so the neighborhood is not state containment.

The Fidelity Deposit and Discount Bank $2.7B · PA Emprise Bank $2.8B · KS Citizens and Farmers Bank $2.7B · VA Habib American Bank $2.7B · NY

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.

Bank of New Hampshire Call Report profile · FDIC Failed Bank List · New Hampshire FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Hampshire

All New Hampshire banks →
BankAssetsGradeROA
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%