PRIMARY BANK
PRIMARY BANK is an FDIC-insured commercial bank headquartered in BEDFORD, NH, established in 2015. As of , the bank reported total assets of $723M and total deposits of $605M. Profitability stands at 1.53% ROA and 9.98% ROE, with a net interest margin of 3.89%. CET1 capital ratio: 16.06%, well above regulatory minimums. NPL ratio: 1.39% · Texas Ratio: 10.51%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Primary Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.06% | 1.53% | 1.39% | 10.51% | 3.89% |
| 2025-09-30 | 15.61% | 1.82% | 0.92% | 7.45% | 4.07% |
| 2025-06-30 | 15.71% | 1.75% | 1.16% | 6.41% | 4.07% |
| 2025-03-31 | 15.80% | 1.37% | 0.79% | 4.38% | 3.88% |
| 2024-12-31 | 15.39% | 1.71% | 0.70% | 4.90% | 4.02% |
| 2024-09-30 | 14.97% | 1.50% | 0.67% | 4.92% | 3.90% |
| 2024-06-30 | 14.65% | 1.33% | 0.92% | 6.53% | 3.93% |
| 2024-03-31 | 14.60% | 1.51% | 0.44% | 2.65% | 3.71% |
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Frequently asked about PRIMARY BANK
What are Primary Bank's total assets?
As of the Q4 2025 filing, Primary Bank reported total assets of $722.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Primary Bank headquartered?
Primary Bank is headquartered in BEDFORD, NH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Primary Bank founded?
Primary Bank was established in 2015, per the FDIC institution directory.
Is Primary Bank FDIC-insured?
Yes. Primary Bank is an FDIC-insured commercial bank (FDIC Certificate #59086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Primary Bank?
Primary Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Primary Bank's CET1 capital ratio?
Primary Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Primary Bank operate?
Primary Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Primary Bank's Texas Ratio?
Primary Bank's Texas Ratio is 10.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.