Bank Comparison
Bank of New Hampshire vs Avidia Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of New Hampshire | Avidia Bank |
|---|---|---|
| CET1 Ratio | 13.57% | 15.18% |
| Tier 1 Capital Ratio | 13.57% | 15.18% |
| Total Capital Ratio | 14.78% | 16.26% |
| Tier 1 Leverage Ratio | 11.77% | 11.90% |
| Equity / Assets | 11.46% | 11.81% |
Profitability
| Metric | Bank of New Hampshire | Avidia Bank |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 0.89% |
| Return on Equity (ROE) | 8.23% | 7.64% |
| Net Interest Margin (NIM) | 3.24% | 3.59% |
| Yield on Earning Assets | 4.82% | 4.95% |
| Cost of Funds | 1.72% | 1.51% |
Asset quality
| Metric | Bank of New Hampshire | Avidia Bank |
|---|---|---|
| Texas Ratio | 12.20% | 4.92% |
| Non-Performing Loan Ratio | 1.83% | 0.74% |
| Non-Performing Asset Ratio | 1.41% | 0.60% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.29% | 1.00% |
Balance sheet
| Metric | Bank of New Hampshire | Avidia Bank |
|---|---|---|
| Total Assets | $2,811M | $2,802M |
| Total Deposits | $2,437M | $2,228M |
| Total Loans | $2,163M | $2,284M |
| Total Equity | $322,368K | $330,967K |
| Net Income (quarter) | $6,593K | $6,270K |
Liquidity & funding
| Metric | Bank of New Hampshire | Avidia Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.76% | 102.54% |
| Core Deposit Ratio | 94.28% | 93.10% |
| Uninsured Deposit Ratio | 18.40% | 39.02% |
Identity
| Metric | Bank of New Hampshire | Avidia Bank |
|---|---|---|
| Headquarters City | LACONIA | HUDSON |
| Headquarters State | NH | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 21 | 10 |
| Employees (FTE) | 247 | 244 |
| Established | July 2, 1831, midnight | Feb. 26, 1869, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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