PackageTrendsPeer
Letter portraitLegal landscape

Bank of New Hampshire

Laconia, NH · Cert 18012 · BNH Financial

State charter, Fed member · FED · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of New Hampshire

Laconia, NH · Cert 18012 · BNH Financial

State charter, Fed member · FED · 21 branches

Q2 2026

$2.8BAssets
$2.2BLoans
$2.4BDeposits
$339.3MEquity
Loan mix
96%RE $2.1B3%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.9B19%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.18%Q2 ’244.39%Q2 ’254.57%Q2 ’26+8%+15%

Non-interest income vs. expense

2.28%Q2 ’242.23%Q2 ’252.12%Q2 ’26-1%-5%

Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 1.8% share · #11 of 24 inst. · $0.3B of $15.4B

34.5% Belknap
5.3% Merrimack
16.4% Carroll
7.4% Grafton

Executive Summary

  • Earnings: ROA of 0.99%, up 20 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.63% of loans (+59 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.08%, up 59 bps from a year ago.
  • Funding: loans stand at 93.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+40 bps YoY

Efficiency Ratio (YTD, annualized)

57.84%-979 bps YoY

Tier 1 Leverage Ratio

12.08%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.87%0.92%0.95%0.99%+20 bps
Return on Equity7.12%7.77%8.17%8.23%8.46%+134 bps
Net Interest Margin2.70%2.78%2.78%3.09%3.11%+40 bps
Efficiency Ratio67.63%65.04%63.72%57.80%57.84%-979 bps
Non-Interest Burden1.62%1.59%1.55%1.54%1.55%-8 bps
Growth
Asset Growth (YoY)5.70%5.49%4.77%5.93%6.11%+41 bps
Loan Growth (YoY)5.69%3.34%3.51%2.02%3.62%-206 bps
Deposit Growth (YoY)7.61%7.86%3.86%6.04%5.90%-171 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.06%0.34%0.63%+59 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans1.17%1.19%1.20%1.29%1.33%+17 bps
Allowance Coverage of NPLs24.6x25.2x20.2x3.8x2.1x-22.5x
Capital
Tier 1 Leverage Ratio11.49%11.59%11.54%11.77%12.08%+59 bps
Total Risk-Based Capital13.95%14.26%14.40%14.78%15.00%+105 bps
Equity / Assets11.42%11.39%11.59%11.46%12.10%+69 bps
Liquidity & Funding
Loans / Deposits95.07%91.35%92.51%88.76%93.03%-205 bps
Liquid Assets / Assets3.20%6.78%5.00%7.59%5.06%+186 bps
CRE / Total Capitaln/a499%494%485%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of New Hampshire

Laconia, NH · Cert 18012 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · BNH Financial

State charter, Fed member · FED · 21 branches

Q2 2026

$2.8BAssets
$2.2BLoans
$2.4BDeposits
$339.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets operating in a single state (rank 48 of 258).
  • Widest gap: return on equity trails 81% of banks $1B-$10B in assets operating in a single state (rank 210 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.99%

Rank 178 of 258

Net Interest Margin

3.11%

Rank 200 of 258

Efficiency Ratio

57.99%

Rank 109 of 257

Equity / Assets

12.10%

Rank 56 of 258

Non-interest income vs. expense

$16.3M$59.9MINCOMEEXPENSE
Unfavorable gap of $43.6M · efficiency ratio beats 58% of banks $1B-$10B in assets operating in a single state
Bank 57.99%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.93%1.23%1.54%Beats 31%178 / 258
Return on Equity8.14%9.26%11.84%14.74%Beats 19%210 / 258
Net Interest Margin3.11%3.16%3.49%3.88%Beats 22%200 / 258
Efficiency Ratio57.99%51.71%60.30%69.65%Beats 58%109 / 257
Asset Quality
Nonperforming Loans / Loans0.63%0.19%0.46%0.90%Beats 32%176 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 82%48 / 258
Capital
Tier 1 Capital Ratio13.75%11.41%12.98%15.12%Beats 61%100 / 258
Total Risk-Based Capital Ratio15.00%12.10%13.91%16.08%Beats 65%91 / 258
Equity / Assets12.10%9.09%10.24%11.72%Beats 78%56 / 258
Liquidity & Funding
Loans / Deposits93.03%73.24%86.34%95.95%69th pctl80 / 258
Loans / Assets79.50%63.01%72.27%78.40%78th pctl56 / 258
Brokered Deposits / Depositsn/aNot reported for this institution