Bank of New Hampshire
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Data as of · sourced from FFIEC call reports. How we update
Bank of New Hampshire is an FDIC-insured commercial bank headquartered in Laconia, NH, established in 1831 (FDIC certificate 18012), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.80B, up 6.1% from Q2 2025, the 2nd largest of 16 banks headquartered in New Hampshire. Its CET1 capital ratio was 13.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 18012
- Headquarters
- Laconia, NH
- Established
- 1831
- Total assets, Q2 2026
- $2.80B
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 13.75%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 211770271
- Latest call report
- Q2 2026, FFIEC 051 · Bank of New Hampshire call report
- Holding company
- BNH FINANCIAL
- Asset rank in state
- 2nd of 16 in New Hampshire
Problem loans are rising at Bank of New Hampshire. Its balance sheet stood at $2.8 billion at June 30, 2026, up 6.1% from a year earlier; it is based in Laconia, New Hampshire. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.05% a year earlier. It holds commercial real estate loans worth 3.6 times its capital, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 30.9%).
The non-owner-occupied commercial real estate book ($938 million) is worsening: 4.12% of it is past due or on nonaccrual, up from 0.30% a year earlier. Earnings jumped: net income for the quarter was $7.2 million, 31% above the same quarter a year earlier. Profitability lags: it returns 8.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.7%).
As of June 30, 2026, Bank of New Hampshire reported a CET1 capital ratio of 13.75%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.12%. The figures come from its call report filed with the FFIEC.
Bank of New Hampshire ranks as the 2nd largest of the 16 banks based in New Hampshire, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $2.80B, loans rose 3.0% and deposits fell 1.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 42.1% of total loans, ahead of 1-4 family residential loans at 22.9%. Its 21 offices in the FDIC Summary of Deposits are in 19 cities in NH; its Laconia office books 28% of its branch deposits. Judged on its Q2 2026 call report, Bank of New Hampshire meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 62 Pleasant St, Laconia, NH 03246
- County
- Belknap
- Metro Area
- Laconia, NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 2, 1831
- Former names
- Laconia Savings Bank (1971-2012)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 249
- Domestic deposits
- $2.40B
- Allowance for credit losses
- $29.7M
- Net charge-offs (YTD)
- $46K
- Average total assets
- $2.82B
- Average total loans
- $2.21B
- Average interest-bearing deposits
- $1.97B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1959
- FDIC Cert
- 18012
- Fed RSSD
- 265407
- SEC CIK
- 1886472 → filed by BNH FINANCIAL
- Website
- www.BNH.bank →
- Parent Holding Company
- BNH FINANCIAL (RSSD 2545831)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of New Hampshire's total assets ran between $2.45B (Q3 2023) and $2.81B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.80B total assets against $2.64B; $2.46B total liabilities against $2.34B.
$2.20B net loans and leases against $2.13B; $2.40B total deposits against $2.26B.
$290.5M securities against $264.0M; $169.4M cash and balances due against $105.2M.
$32.9M total interest income against $29.6M; $10.6M total interest expense against $11.2M.
$22.3M net interest income against $18.4M.
$4.3M total noninterest income against $4.1M; $15.4M total noninterest expense against $15.1M.
$1.9M provision for credit losses against $375K.
$7.2M net income against $5.5M.
1.02% return on assets against 0.83%; 3.33% net interest margin against 2.93%.
13.75% CET1 capital ratio against 12.84%; 12.08% tier 1 leverage ratio against 11.49%.
Inside the full Bank of New Hampshire terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bank of New Hampshire rankings
Its closest position to the top of a national ranking is 451 of 4,196, for total assets; its furthest is 835 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.53% (Q4 2024) to 1.06% (Q4 2025) and its net interest margin ran from 2.70% (Q3 2024) to 3.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.75% | 1.02% | 0.63% | 4.12% | 3.33% |
| Q1 2026 | 13.57% | 0.95% | 0.34% | 2.28% | 3.24% |
| Q4 2025 | 13.27% | 1.06% | 0.06% | 0.40% | 3.14% |
| Q3 2025 | 13.14% | 1.03% | 0.05% | 0.36% | 3.15% |
| Q2 2025 | 12.84% | 0.83% | 0.05% | 0.34% | 2.93% |
| Q1 2025 | 12.94% | 0.74% | 0.05% | 0.37% | 2.76% |
| Q4 2024 | 12.92% | 0.53% | 0.05% | 0.39% | 2.75% |
| Q3 2024 | 13.28% | 0.80% | 0.03% | 0.19% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of New Hampshire (main office) | Laconia , NH | 03246 | $662.4M |
| Concord Branch | Concord , NH | 03301 | $236.1M |
| Gilford Village Office | Gilford , NH | 03249 | $149.4M |
| Moultonborough Banking Branch | Moultonborough , NH | 03254 | $121.9M |
| Plymouth Branch | Plymouth , NH | 03264 | $118.3M |
| Ossipee Branch | Ossipee , NH | 03864 | $116.7M |
| Manchester Branch | Manchester , NH | 03104 | $114.3M |
| Gilford Branch | Gilford , NH | 03249 | $110.9M |
| Littleton Branch | Littleton , NH | 03561 | $90.8M |
| Dover Branch | Dover , NH | 03820 | $88.5M |
| Rochester Branch | Rochester , NH | 03867 | $87.0M |
| Concord Heights Branch | Concord , NH | 03301 | $71.9M |
| Conway Branch | Conway , NH | 03818 | $68.9M |
| Hillsborough Branch | Hillsborough , NH | 03244 | $62.3M |
| Campton Branch | Campton , NH | 03223 | $55.1M |
| South River Road Bedford Branch | Bedford , NH | 03110 | $51.7M |
| Antrim Branch | Antrim , NH | 03440 | $46.9M |
| Whitefield Branch | Whitefield , NH | 03598 | $44.4M |
| Gorham Branch | Gorham , NH | 03581 | $34.8M |
| Lincoln Branch | Lincoln , NH | 03251 | $33.3M |
| Claremont Branch | Claremont , NH | 03743 | $30.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 7, 2016 | Structure Change | Acquired Community Guaranty Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 6, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2005 | Structure Change | Acquired Village Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 23, 1994 | Structure Change | Acquired Home Bank Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 22, 1994 | Merger | Rtc Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.9% of deposits in NH, rank 4 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 19 applications, 18 loans originated, $38.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $964K approved, $107K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of New Hampshire
What are Bank of New Hampshire's total assets?
As of the Q2 2026 filing, Bank of New Hampshire reported total assets of $2.80 billion in its FFIEC call report.
Where is Bank of New Hampshire headquartered?
It is headquartered in Laconia, NH, United States.
When was Bank of New Hampshire founded?
It was established in 1831, per the FDIC institution directory.
Is Bank of New Hampshire FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of New Hampshire?
Bank of New Hampshire's primary federal regulator is the Federal Reserve.
What is Bank of New Hampshire's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of New Hampshire operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of New Hampshire's Texas Ratio?
Its Texas Ratio is 4.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank of New Hampshire previously called?
The charter now named Bank of New Hampshire has also operated as Laconia Savings Bank (1971-2012), per FDIC structure-change records.
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