BlastPoint's Banking Scorecard
Bank of New England
Community
Specialty: Commercial
NH
FDIC cert 24540
Salem, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Bank of New England has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 34% in Community
- + Efficiency Ratio 36.38% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 23.03% above tier
- - Non-Interest-Bearing Deposit Share 12.92% below tier
- - Nonperforming Asset Ratio 1.18% above tier
- - Non-Interest Income / Assets 0.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+18.3% YoY
+0.1% QoQ
|
+$415.5M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.6B
+15.1% YoY
-0.3% QoQ
|
+$587.3M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.5B
+20.0% YoY
-0.8% QoQ
|
+$308.4M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
2.28%
+5.3% YoY
+4.1% QoQ
|
+1.12% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.38%
+1.4% YoY
+0.7% QoQ
|
+0.71% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
26.25%
-9.0% YoY
-5.9% QoQ
|
-36.38% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.72%
-66.0% YoY
-1.5% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
106.09%
-4.2% YoY
+0.4% QoQ
|
+23.03% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.12%
-14.1% YoY
-14.4% QoQ
|
-12.92% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.68%
-32.2% YoY
-0.8% QoQ
|
+1.18% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.08%
+34.5% YoY
+474.3% QoQ
|
-0.66% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#126 of 371 · Top 34% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.28%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
26.25%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
106.09%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.12%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.68%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.08%
(Tier avg: 0.74%, National avg: 0.65%)
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
99
99th pctile
Efficiency Ratio
Current: 26.25% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.16%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.50%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.12% · Tier avg: 21.05%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.09% · Tier avg: 83.06%
2
2th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.09% · Tier avg: 83.06%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.12% · Tier avg: 21.05%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 26.25% · Tier avg: 62.63%