BlastPoint's Banking Scorecard
Fidelity Personal Trust Company, FSB
Micro
Specialty: Other
NH
FDIC cert 35206
Merrimack, NH
2498
banks in Micro tier nationally
6 in NH
View Micro leaderboard (NH) →
Fidelity Personal Trust Company, FSB has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.88% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.4M
+1.7% YoY
-17.6% QoQ
|
-$153.0M |
$217.5M
+2.3% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$500K
0% YoY
0% QoQ
|
-$183.2M |
$183.7M
+1.8% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
28.39%
+39.9% YoY
-0.9% QoQ
|
+27.30% |
1.08%
+14.7% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
4.52%
-10.9% YoY
+9.8% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
42.85%
-0.6% YoY
+2.1% QoQ
|
-24.88% |
67.73%
-4.8% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
63.49%
+10.7% YoY
+64.6% QoQ
|
+62.93% |
0.56%
+0.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.85%
(Tier avg: 67.73%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Efficiency Ratio
Current: 42.85% · Tier avg: 67.73%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
11
11th pctile
Total Assets
Current: $64.4M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
Top Weaknesses
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
11
11th pctile
Total Assets
Current: $64.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
97
97th pctile
Efficiency Ratio
Current: 42.85% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%