Bank of New Hampshire
Bank of New Hampshire reported total assets of $2.8 bn at Q2 2026, up 6.1% on a year earlier, the 453rd largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of New Hampshire was 13.75%, and the uninsured share of Bank of New Hampshire was 18.99%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Bank of New Hampshire slipped from 23rd to 262nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Bank of New Hampshire has taken over one institution; the latest was Community Guaranty Savings Bank on (FDIC Call Reports).
What sets Bank of New Hampshire apart
How large is Bank of New Hampshire?
The balance sheet of Bank of New Hampshire at : assets $2.8 bn, deposits $2.4 bn, net loans $2.2 bn (loans equal to 91.78% of deposits). Securities make up 10.4% of total assets at Bank of New Hampshire. Since , when Bank of New Hampshire held $1.3 bn, its assets grew 121.8%. In the year to , deposits at Bank of New Hampshire rose 5.9% while its total assets rose 6.1%. At , Bank of New Hampshire employed 249 full-time equivalent staff across 21 offices, about $11.3 mn of assets per employee and $114.1 mn of deposits per office.
How much funding at Bank of New Hampshire is uninsured?
At Bank of New Hampshire, uninsured deposits (above the FDIC limit) made up 18.99% of domestic deposits at (+1.14 pp on a year earlier); Bank of New Hampshire ranks 418th of 500 on this measure. In dollars, Bank of New Hampshire estimated $454.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +5.9% | 439th of 499 |
| Net loans and leases | $2.2 bn | +3.5% | 411th of 500 |
| Loan-to-deposit ratio | 91.78% | -2.18 pp | 158th of 500 |
| Tier 1 leverage ratio | 12.08% | +0.59 pp | 93rd of 500 |
| Total risk-based capital ratio | 15.00% | +1.05 pp | 165th of 448 |
| Net interest margin | 3.33% | +0.43 pp | 338th of 500 |
| Return on assets (ROA) | 0.99% | +0.20 pp | 387th of 500 |
| Efficiency ratio | 57.84% | -9.79 pp | 287th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $28.8 mn | Narrowed by $3.2 mn | |
| Noncurrent loans to total loans | 0.63% | +0.59 pp | 262nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.01 pp | 82nd of 500 (1 = lowest) |
US rank of Bank of New Hampshire: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of New Hampshire: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.4bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Bank of New Hampshire stood at 13.75% in , +0.91 pp year on year. Low and high at Bank of New Hampshire since : 10.43% () to 14.26% (). Equity capital of Bank of New Hampshire at : $339.3 mn, or 12.1% of total assets. Bank of New Hampshire also reported a total capital ratio of 15.00% for , and a tier 1 leverage ratio of 12.08%.
The available-for-sale portfolio of Bank of New Hampshire showed an unrealized loss of $28.8 mn at ; the loss narrowed by $3.2 mn over the year.
Bank of New Hampshire: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
Bank of New Hampshire: unrealized securities gains and losses
- Available for sale -$29mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bank of New Hampshire earned a return on equity of 8.46%; return on assets: 0.99%. Net interest margin at Bank of New Hampshire: 3.33%, +0.43 pp in a year. Bank of New Hampshire net income: $13.8 mn, up 32.3% year on year. The efficiency ratio of Bank of New Hampshire was 57.84%: about 58 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.63% of total loans at Bank of New Hampshire; net charge-offs: 0.00% of average loans. Gross loans and leases at Bank of New Hampshire: $2.2 bn, up 3.6% in a year.
Bank of New Hampshire: profitability
- Return on equity 8.5%
- Net interest margin 3.3%
- Return on assets 1.0%
Peer group of Bank of New Hampshire
The peer group of Bank of New Hampshire is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Bank of New Hampshire (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New Hampshire. Against them, Bank of New Hampshire shows CET1 ratio 13.75% against a peer median of 13.69%, return on equity 8.46% against a peer median of 13.30% and uninsured deposit share 18.99% against a peer median of 29.35%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Emprise Bank | State nonmember bank | KS | $2.8 bn | 10.22% | 21.01% | 28.19% | |
| Chemung Canal Trust Company | National bank | NY | $2.8 bn | 13.84% | 13.04% | 31.40% | |
| State Bank of the Lakes | National bank | IL | $2.8 bn | 10.75% | 13.56% | 20.54% | |
| Bank of New Hampshire | State member bank | NH | $2.8 bn | 13.75% | 8.46% | 18.99% | |
| Orange Bank & Trust Company | State member bank | NY | $2.8 bn | 17.95% | 17.03% | 60.78% | |
| Citizens and Farmers Bank | State nonmember bank | VA | $2.8 bn | 13.54% | 11.04% | 30.51% | |
| Ion Bank | State member bank | CT | $2.8 bn | 15.75% | 7.63% | 21.70% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of New Hampshire, to : assets +8.5%, deposits +9.9%, equity +18.2%. Staff 251 to 249; offices 24 to 21.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.8 bn |
| Total deposits | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.3 bn | $2.4 bn | $2.4 bn |
| Bank equity capital | $287.2 mn | $284.6 mn | $294.0 mn | $301.7 mn | $310.5 mn | $318.6 mn | $322.4 mn | $339.3 mn |
| CET1 ratio | 13.28% | 12.92% | 12.94% | 12.84% | 13.14% | 13.27% | 13.57% | 13.75% |
| Return on equity (ROE) | 6.50% | 6.10% | 6.81% | 7.12% | 7.77% | 8.17% | 8.23% | 8.46% |
| Uninsured share of domestic deposits | 15.49% | 17.15% | 15.91% | 17.85% | 17.83% | 19.28% | 18.40% | 18.99% |
| Full-time equivalent employees | 251 | 253 | 251 | 250 | 250 | 248 | 247 | 249 |
| Number of offices | 24 | 24 | 24 | 24 | 22 | 21 | 21 | 21 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bank of New Hampshire, oldest first; figures before and after each event are not like for like.
- . Absorbed Community Guaranty Savings Bank (FDIC certificate 27252).
Questions and identifiers
What were the total assets of Bank of New Hampshire?
Bank of New Hampshire reported $2.8 bn at in its Call Report. That makes Bank of New Hampshire the 453rd largest of 497 banks in our US coverage.
Is Bank of New Hampshire the same as its holding company?
No. This page covers Bank of New Hampshire, FDIC certificate 18012; BNH FINANCIAL (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of New Hampshire profitable?
Bank of New Hampshire reported net income of $13.8 mn for the year to ; annualized return on equity: 8.46%. So yes: Bank of New Hampshire made a profit over these months.
When is data for Bank of New Hampshire next updated?
Figures from Bank of New Hampshire for are due after .
Where can I check the figures for Bank of New Hampshire?
In the FDIC BankFind Suite record for certificate 18012, and in the Call Reports of Bank of New Hampshire (RSSD ID 265407) at the FFIEC Central Data Repository.