BlastPoint's Banking Scorecard
Piscataqua Savings Bank
Micro
Specialty: Mortgage
NH
FDIC cert 17443
Designations: ✓ Community bank ✓ Mutual
Portsmouth, NH
2498
banks in Micro tier nationally
6 in NH
View Micro leaderboard (NH) →
Piscataqua Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.18% below tier
- - Net Interest Margin 2.45% below tier
- - Efficiency Ratio 36.69% above tier
- - Non-Interest-Bearing Deposit Share 19.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.2M
+5.9% YoY
+1.8% QoQ
|
+$165.7M |
$217.5M
+2.3% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$200.1M
+1.8% YoY
-1.2% QoQ
|
+$61.0M |
$139.2M
+2.8% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$300.5M
+1.2% YoY
+2.2% QoQ
|
+$116.8M |
$183.7M
+1.8% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
-0.10%
+57.1% YoY
+38.8% QoQ
|
-1.18% |
1.08%
+14.7% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
1.40%
+19.6% YoY
+3.6% QoQ
|
-2.45% |
3.85%
+6.6% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
104.42%
-12.2% YoY
-2.8% QoQ
|
+36.69% |
67.73%
-4.8% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
66.61%
+0.6% YoY
-3.3% QoQ
|
-7.92% |
74.53%
+0.5% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
2.60%
-5.1% YoY
-5.2% QoQ
|
-19.79% |
22.39%
-1.3% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.83%
+4.1% YoY
+33.2% QoQ
|
+0.27% |
0.56%
+0.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (4)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.40%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
104.42%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.60%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
86
86th pctile
Total Assets
Current: $383.2M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $300.5M · Tier avg: $183.7M
74
74th pctile
Total Loans
Current: $200.1M · Tier avg: $139.2M
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.61% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
6
6th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 104.42% · Tier avg: 67.73%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.60% · Tier avg: 22.39%
1
1th pctile
Net Interest Margin
Current: 1.40% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.40% · Tier avg: 3.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.60% · Tier avg: 22.39%
4
4th pctile
Efficiency Ratio
Current: 104.42% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.61% · Tier avg: 74.53%
74
74th pctile
Total Loans
Current: $200.1M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $300.5M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $383.2M · Tier avg: $217.5M
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%