FDIC Cert #17443 · Portsmouth, New Hampshire · Est. 1877

Piscataqua Savings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$383M
Total assets
C
Health grade · Fair
-0.10%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

Piscataqua Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.25% Tier 1, -0.10% ROA, 104% efficiency ratio.

#2,140
largest of 4,313 FDIC banks by assets
50th
percentile by asset size, nationally
13.25%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 17443 · NH C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4031/4307
  • PHOTO-FINISH Saco & Biddeford Sav… · ME
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-LOSS -0.10% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Hampshire: Saco & Biddeford Savings Institution, ME (±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 Piscataqua Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Piscataqua Savings B… · NH ·…55/100Rollstone Bank & Trust · MA …55/100Saco & Biddeford Sav… · ME ·…55/100Spiro State Bank · OK · near55/100The State Bank of Pe… · IL ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Piscataqua Savings Bank · July 2026

Plate reading for Piscataqua Savings Bank where failures stay rare

Piscataqua Savings Bank (FDIC Cert #17443) carries a PlainBankData health grade of C at 55/100, 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 #4,031 of 4,307. Tier 1 capital prints at 13.25%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.10%. Balance-sheet scale is $383M, 2,140th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Saco & Biddeford Savings Institution (ME), 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 Piscataqua Savings Bank

Only 1 FAILURE resolution in New Hampshire since 2000

Piscataqua Savings Bank 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 Piscataqua Savings Bank's 55/100 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 avg77/10055/100
Piscataqua Savings Bank's composite health score
Tier 1 Capital Ratio (13.25%) 35/40
Return on Assets (ROA) (-0.10%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (104.42%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$383M

Total balance-sheet footings

Total Deposits

$300M

Customer-funded liabilities

Net Loans

$200M

Outstanding loan book

Net Income

$-359K

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.) 11.85% 13.25% 14.65%
Basel III capital ratios - Piscataqua Savings Bank

Where Piscataqua Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Piscataqua Savings Bank's score of 55/100 falls in the highlighted band.

Piscataqua Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Piscataqua Savings Bank 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

Piscataqua Savings Bank'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). Piscataqua Savings Bank's $383M falls in the highlighted band.

Safety metrics: Piscataqua Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

13.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.25%
Texas Ratio
0.00%
Equity Capital
$42M

What these ratios mean →

Profitability metrics: Piscataqua Savings Bank

Return on Assets (ROA)
5th percentile nationally
-0.10%
Return on Equity (ROE)
-0.89%
Efficiency Ratio
104.42%

What these mean →

Income & expense: loss period at Piscataqua Savings Bank

$13M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Piscataqua Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Piscataqua Savings Bank

Piscataqua Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-359K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Piscataqua Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Piscataqua Savings Bank 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 ($383M here), outside New Hampshire so the neighborhood is not state containment.

McCurtain County National Bank $383M · OK Pike National Bank $383M · MS Pine Country Bank $384M · MN The Fahey Banking Company $384M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Piscataqua Savings Bank (FDIC Cert #17443) - 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.

Piscataqua Savings Bank 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 HampshireLaconia $2.7B B 0.92%
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%