Bank of New Hampshire: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common stock surplus: 28.1% higher than in Q1 2026, at $34.6M. Within New Hampshire, Bank of New Hampshire is 5th of 8 on CET1 ratio, 13.75% as of Q2 2026, below the middle of the field. At 13.75%, Bank of New Hampshire's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 12.08% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $338.4M |
| Tier 1 capital | $338.4M |
| Total risk-based capital | $369.1M |
| Total equity capital | $339.3M |
| Risk-weighted assets | $2.46B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.10% |
| Tangible equity to tangible assets | 11.28% |
| Equity capital to average assets | 12.02% |
| Internal capital growth rate | 8.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $34.6M |
| Retained earnings | $325.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.62% | 12.62% | 13.80% | 10.90% | $2.15B |
| Q4 2023 | 13.05% | 13.05% | 14.21% | 11.09% | $2.12B |
| Q1 2024 | 13.20% | 13.20% | 14.37% | 11.21% | $2.13B |
| Q2 2024 | 13.42% | 13.42% | 14.60% | 11.45% | $2.12B |
| Q3 2024 | 13.28% | 13.28% | 14.42% | 11.39% | $2.18B |
| Q4 2024 | 12.92% | 12.92% | 14.04% | 11.27% | $2.27B |
| Q1 2025 | 12.94% | 12.94% | 14.06% | 11.33% | $2.30B |
| Q2 2025 | 12.84% | 12.84% | 13.95% | 11.49% | $2.36B |
| Q3 2025 | 13.14% | 13.14% | 14.26% | 11.59% | $2.36B |
| Q4 2025 | 13.27% | 13.27% | 14.40% | 11.54% | $2.39B |
| Q1 2026 | 13.57% | 13.57% | 14.78% | 11.77% | $2.38B |
| Q2 2026 | 13.75% | 13.75% | 15.00% | 12.08% | $2.46B |
Bank of New Hampshire regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New Hampshire, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of New Hampshire profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18012) · FFIEC NIC profile (RSSD 265407)