BlastPoint's Banking Scorecard
Primary Bank
Community
Specialty: Commercial
NH
FDIC cert 59086
Bedford, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Primary Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.54% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20% in Community
- - Nonperforming Asset Ratio 1.29% above tier
- - Non-Interest Income / Assets 0.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$722.8M
+2.0% YoY
-1.6% QoQ
|
-$668.6M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$631.7M
+6.5% YoY
-0.6% QoQ
|
-$343.8M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$605.3M
+0.3% YoY
-2.2% QoQ
|
-$559.3M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.62%
+7.0% YoY
-1.6% QoQ
|
+0.46% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.97%
+3.4% YoY
+0.2% QoQ
|
+0.31% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
43.09%
-1.4% YoY
+1.4% QoQ
|
-19.54% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
1.46%
+167.7% YoY
+47.1% QoQ
|
+0.83% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
104.37%
+6.2% YoY
+1.7% QoQ
|
+21.30% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.25%
-13.4% YoY
-6.3% QoQ
|
+7.20% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
1.79%
+128.4% YoY
+45.6% QoQ
|
+1.29% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
16.06%
+4.4% YoY
+2.9% QoQ
|
+5.82% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.09%
+1.0% YoY
+34.6% QoQ
|
-0.65% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.09%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Liquidity Overhang
risk
#54 of 268 · Bottom 20% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.06%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
104.37%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.79%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.09%
(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
93
93th pctile
Efficiency Ratio
Current: 43.09% · Tier avg: 62.63%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.25% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
69
69th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.66%
44
44th pctile
Total Loans
Current: $631.7M · Tier avg: $975.5M
29
29th pctile
Total Assets
Current: $722.8M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $605.3M · Tier avg: $1.2B
16
16th pctile
Delinquency Rate
Current: 1.46% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.50%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.37% · Tier avg: 83.06%
3
3th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.37% · Tier avg: 83.06%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.46% · Tier avg: 0.63%
29
29th pctile
Total Deposits
Current: $605.3M · Tier avg: $1.2B
29
29th pctile
Total Assets
Current: $722.8M · Tier avg: $1.4B
44
44th pctile
Total Loans
Current: $631.7M · Tier avg: $975.5M
69
69th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.25% · Tier avg: 21.05%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
93
93th pctile
Efficiency Ratio
Current: 43.09% · Tier avg: 62.63%