Piscataqua Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Piscataqua Savings Bank is an FDIC-insured savings bank headquartered in Portsmouth, NH, established in 1877 (FDIC certificate 17443), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $373.4M, up 1.8% from Q2 2025, the 13th largest of 16 banks headquartered in New Hampshire. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17443
- Headquarters
- Portsmouth, NH
- Established
- 1877
- Total assets, Q2 2026
- $373.4M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 13.67%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 211474687
- Latest call report
- Q2 2026, FFIEC 051 · Piscataqua Savings Bank call report
- Asset rank in state
- 13th of 16 in New Hampshire
Piscataqua Savings Bank spends more to run itself than most banks of its size. It reported $373 million in assets at June 30, 2026, up 1.8% from a year earlier. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 2.6% and deposits rose 4.5%. Unrealized losses on its securities total $9.8 million, equal to 20% of Tier 1 capital, against 20% a year earlier. Its margin is thin by comparison: it keeps 1.76 cents of net interest income on every dollar of earning assets, about half the median of 3.96 cents for banks its size.
As of June 30, 2026, Piscataqua Savings Bank reported a return on assets of 0.39%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Piscataqua Savings Bank is the 13th largest of the 16 banks headquartered in New Hampshire. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $373.4M, loans fell 2.6% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 97.5% of total loans, ahead of other consumer loans at 0.9%. Its one office in the FDIC Summary of Deposits is in Portsmouth, NH. Judged on its Q2 2026 call report, Piscataqua Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15 Pleasant St, Portsmouth, NH 03801
- County
- Rockingham
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1877
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $298.1M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $375.6M
- Average total loans
- $200.6M
- Average interest-bearing deposits
- $288.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1955
- FDIC Cert
- 17443
- Fed RSSD
- 591209
- Website
- www.piscataqua.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Piscataqua Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Piscataqua Savings Bank's total assets ranged from $343.6M (Q1 2024) to $383.2M (Q4 2025), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$373.4M total assets against $366.6M; $332.1M total liabilities against $326.5M.
$196.6M net loans and leases against $201.8M; $298.1M total deposits against $285.4M.
$127.1M securities against $109.1M; $18.7M cash and balances due against $26.2M.
$3.5M total interest income against $3.2M; $1.9M total interest expense against $2.1M.
$1.6M net interest income against $1.2M.
$994K total noninterest income against $856K; $2.1M total noninterest expense against $2.0M.
-$46K provision for credit losses against -$127K.
$369K net income against -$59K.
0.39% return on assets against -0.07%; 1.76% net interest margin against 1.33%.
13.67% tier 1 leverage ratio against 13.86%.
Inside the full Piscataqua Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePiscataqua Savings Bank rankings
Its closest position to the top of a national ranking is 2,156 of 4,196, for total assets; its furthest is 3,435 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.54% (Q1 2025) to 0.39% (Q2 2026) and its net interest margin ran from 1.08% (Q3 2024) to 1.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.67% | 0.39% | 0.00% | 0.00% | 1.76% |
| Q1 2026 | 13.22% | 0.36% | 0.00% | 0.00% | 1.58% |
| Q4 2025 | 13.25% | 0.08% | 0.00% | 0.00% | 1.49% |
| Q3 2025 | 13.45% | 0.12% | 0.01% | 0.05% | 1.41% |
| Q2 2025 | 13.86% | -0.07% | 0.01% | 0.05% | 1.33% |
| Q1 2025 | 13.97% | -0.54% | 0.47% | 2.27% | 1.18% |
| Q4 2024 | 14.05% | -0.35% | 0.55% | 2.71% | 1.13% |
| Q3 2024 | 14.14% | -0.17% | 0.52% | 2.38% | 1.08% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Piscataqua Savings Bank (main office) | Portsmouth , NH | 03801 | $298.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NH, rank 28 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 40 loans originated, $24.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Piscataqua Savings Bank
What are Piscataqua Savings Bank's total assets?
As of the Q2 2026 filing, Piscataqua Savings Bank reported total assets of $373.4 million in its FFIEC call report.
Where is Piscataqua Savings Bank headquartered?
It is headquartered in Portsmouth, NH, United States.
When was Piscataqua Savings Bank founded?
It was established in 1877, per the FDIC institution directory.
Is Piscataqua Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17443). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Piscataqua Savings Bank?
Piscataqua Savings Bank's primary federal regulator is the FDIC.
How many branches does Piscataqua Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Piscataqua Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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