FDIC Cert #59086 · Bedford, New Hampshire · Est. 2015

Primary Bank - FDIC Bank Health Profile

A community-scale look at Primary Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$723M
Total assets
A
Health grade · Excellent
1.62%
Return on assets
16.1%
Tier 1 capital

Data updated July 2026

The verdict

Primary Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 16.06% Tier 1, profitable at 1.62% ROA, efficient (43% cost ratio).

#1,352
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
16.06%
Tier 1 ratio - above the 10% well-capitalized line
79th
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 59086 · NH A · 96/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (96/100)
  • TOP-DECILE #283/4307
  • PHOTO-FINISH Northwest Bank · ID
  • TIER1-WELL 16.1% Tier 1
  • TEXAS-CLEAN 7.7% Texas
  • ROA-STRONG 1.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Hampshire: Northwest Bank, ID (±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 Primary Bank

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

Morgan Stanley Bank,… · UT ·…100/100First General Bank · CA · ne…96/100First Security Bank… · NV · …96/100Metro City Bank · GA · near96/100Northwest Bank · ID · near96/100Primary Bank · NH · this bank96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Primary Bank · July 2026

Plate reading for Primary Bank where failures stay rare

Primary Bank (FDIC Cert #59086) carries a PlainBankData health grade of A at 96/100, 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 #283 of 4,307. Tier 1 capital prints at 16.06%, clearing the 10% well-capitalized line. The Texas Ratio is 7.73%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.62%. Balance-sheet scale is $723M, 1,352nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Northwest Bank (ID), 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 Primary Bank

Only 1 FAILURE resolution in New Hampshire since 2000

Primary 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 Primary Bank's 96/100 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 avg77/10096/100
Primary Bank's composite health score
Tier 1 Capital Ratio (16.06%) 40/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (7.73%) 16/20
Efficiency Ratio (43.09%) 15/15

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

Balance sheet at a glance

Total Assets

$723M

Total balance-sheet footings

Total Deposits

$605M

Customer-funded liabilities

Net Loans

$632M

Outstanding loan book

Net Income

$12M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.66% 16.06% 17.46%
Basel III capital ratios - Primary Bank

Where Primary Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Primary Bank's score of 96/100 falls in the highlighted band.

Primary Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 7% higher than 93% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Primary 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

Primary 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). Primary Bank's $723M falls in the highlighted band.

Safety metrics: Primary Bank

Tier 1 capital ratio
Well-capitalized 10%

16.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.06%
Texas Ratio
7.73%
Equity Capital
$113M

What these ratios mean →

Earnings posture at Primary Bank

Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
10.96%
Efficiency Ratio
43.09%

What these mean →

Income & expense at Primary Bank

$41M
Interest Income
$627K
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Primary Bank reports a Texas Ratio of 7.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Primary 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 ($723M here), outside New Hampshire so the neighborhood is not state containment.

United Valley Bank $723M · ND Pilgrim Bank $723M · TX First United Bank $724M · ND Town & Country Bank $722M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Primary Bank (FDIC Cert #59086) - 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.

Primary 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%
Claremont Savings BankClaremont $620M C 0.43%