Bank of New Hampshire: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.80 percentage points lower than in Q1 2026, at 355.38%. Within New Hampshire, Bank of New Hampshire is 10th of 16 on loan-to-deposit ratio, 93.03% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of New Hampshire sits 4.82 points higher, at 93.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.23B |
| Net loans and leases | $2.20B |
| Loans held for sale | $0 |
| Loans to total assets | 79.50% |
| Loan-to-deposit ratio | 93.03% |
| Net loans to equity capital | 6.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.78% |
| Multifamily (5+ residential) | 9.76% |
| Commercial and industrial | 2.54% |
| Consumer | 0.95% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 355.38% |
| Construction concentration (Tier 1 capital + allowance) | 41.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.34% |
| Interest income on loans | $29.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.00B | $2.09B | 51.79% | 2.43% | 1.68% |
| Q4 2023 | $1.99B | $2.11B | 51.73% | 2.50% | 1.66% |
| Q1 2024 | $2.00B | $2.09B | 51.85% | 2.53% | 1.57% |
| Q2 2024 | $2.04B | $2.10B | 53.65% | 2.51% | 1.50% |
| Q3 2024 | $2.08B | $2.18B | 54.68% | 2.32% | 1.38% |
| Q4 2024 | $2.09B | $2.26B | 56.06% | 2.36% | 1.32% |
| Q1 2025 | $2.12B | $2.30B | 56.17% | 2.33% | 1.23% |
| Q2 2025 | $2.15B | $2.26B | 55.95% | 2.43% | 1.17% |
| Q3 2025 | $2.15B | $2.35B | 56.14% | 2.35% | 1.12% |
| Q4 2025 | $2.17B | $2.34B | 55.60% | 2.44% | 1.07% |
| Q1 2026 | $2.16B | $2.44B | 55.03% | 2.54% | 1.02% |
| Q2 2026 | $2.23B | $2.40B | 55.78% | 2.54% | 0.95% |
Bank of New Hampshire loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New Hampshire, freeSource: Call Report Schedule RC-C, 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)