BlastPoint's Banking Scorecard
Bank of New Hampshire
Community
Specialty: Commercial
NH
FDIC cert 18012
Laconia, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Bank of New Hampshire has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 6% in Community
- - Liquidity Strain: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+4.8% YoY
+0.9% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.1B
+3.5% YoY
+0.9% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.3B
+3.9% YoY
-0.4% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.92%
+38.6% YoY
+5.9% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.04%
+11.7% YoY
+1.9% QoQ
|
-0.62% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
63.72%
-12.1% YoY
-2.0% QoQ
|
+1.08% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.06%
+13.9% YoY
+25.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
91.41%
-0.4% YoY
+1.3% QoQ
|
+8.34% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
18.78%
-7.0% YoY
-4.5% QoQ
|
-2.26% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.05%
+12.5% YoY
+13.3% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
13.27%
+2.7% YoY
+1.0% QoQ
|
+3.03% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.59%
-8.7% YoY
+35.9% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#112 of 371 · Top 30% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Credit Quality Pressure
risk
#19 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#38 of 642 · Bottom 6% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#71 of 513 · Bottom 14% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.41%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.27% · Tier avg: 10.24%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
45
45th pctile
Efficiency Ratio
Current: 63.72% · Tier avg: 62.63%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.78% · Tier avg: 21.05%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.41% · Tier avg: 83.06%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
Top Weaknesses
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.41% · Tier avg: 83.06%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.78% · Tier avg: 21.05%
45
45th pctile
Efficiency Ratio
Current: 63.72% · Tier avg: 62.63%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.27% · Tier avg: 10.24%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
89
89th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M