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
Unfavorable gap of $43.6M · efficiency ratio beats 58% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.93% | 1.23% | 1.54% | Beats 31% | 178 / 258 | |
| Return on Equity | 8.14% | 9.26% | 11.84% | 14.74% | Beats 19% | 210 / 258 | |
| Net Interest Margin | 3.11% | 3.16% | 3.49% | 3.88% | Beats 22% | 200 / 258 | |
| Efficiency Ratio | 57.99% | 51.71% | 60.30% | 69.65% | Beats 58% | 109 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.19% | 0.46% | 0.90% | Beats 32% | 176 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 82% | 48 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 11.41% | 12.98% | 15.12% | Beats 61% | 100 / 258 | |
| Total Risk-Based Capital Ratio | 15.00% | 12.10% | 13.91% | 16.08% | Beats 65% | 91 / 258 | |
| Equity / Assets | 12.10% | 9.09% | 10.24% | 11.72% | Beats 78% | 56 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 93.03% | 73.24% | 86.34% | 95.95% | 69th pctl | 80 / 258 | |
| Loans / Assets | 79.50% | 63.01% | 72.27% | 78.40% | 78th pctl | 56 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |