Sugar River Bank
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Data as of · sourced from FFIEC call reports. How we update
Sugar River Bank is an FDIC-insured savings bank headquartered in Newport, NH, established in 1895 (FDIC certificate 18028), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $424.3M, up 4.9% from Q2 2025, the 12th largest of 16 banks headquartered in New Hampshire. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.13% 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
- 18028
- Headquarters
- Newport, NH
- Established
- 1895
- Total assets, Q2 2026
- $424.3M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 14.13%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 211770145
- Holding company
- SUGAR RIVER BANCORP MHC
- Asset rank in state
- 12th of 16 in New Hampshire
Sugar River Bank, based in Newport, New Hampshire, reported $424 million in assets at June 30, 2026, up 4.9% from a year earlier. It pays an average of 1.15% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it returns 5.7% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Earnings jumped: net income for the quarter was $689,000, 38% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.33% of loans, down from 0.50% a year earlier. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Sugar River Bank reported a return on assets of 0.66%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.89%. The figures come from its call report filed with the FFIEC.
Sugar River Bank ranks as the 12th largest of the 16 banks based in New Hampshire, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $424.3M, loans rose 2.5% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 76.5% of total loans, followed by non-owner-occupied commercial real estate loans at 6.0%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in NH; its Newport office books 47% of its branch deposits. Judged on its Q2 2026 call report, Sugar River Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 10 N Main St, Newport, NH 03773
- County
- Sullivan
- Metro Area
- Lebanon-Claremont, NH-VT
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Former names
- Sugar River Savings Bank (1973-2007)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $364.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $418.3M
- Average total loans
- $288.5M
- Average interest-bearing deposits
- $279.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1959
- FDIC Cert
- 18028
- Fed RSSD
- 92706
- Website
- www.sugarriver.bank →
- Parent Holding Company
- SUGAR RIVER BANCORP MHC (RSSD 4191399)
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, Sugar River 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, Sugar River Bank's total assets ranged from $381.5M (Q3 2023) to $424.3M (Q2 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
$424.3M total assets against $404.6M; $375.3M total liabilities against $360.5M.
$291.7M net loans and leases against $276.5M; $364.3M total deposits against $343.8M.
$75.2M securities against $78.6M; $30.6M cash and balances due against $21.6M.
$4.7M total interest income against $4.4M; $1.1M total interest expense against $1.1M.
$3.7M net interest income against $3.3M.
$498K total noninterest income against $483K; $3.2M total noninterest expense against $2.9M.
$125K provision for credit losses against $259K.
$689K net income against $498K.
0.66% return on assets against 0.50%; 3.66% net interest margin against 3.40%.
14.13% tier 1 leverage ratio against 14.12%.
Inside the full Sugar River Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSugar River Bank rankings
Its closest position to the top of a national ranking is 1,971 of 4,196, for total assets; its furthest is 3,078 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2024) to 0.67% (Q4 2025) and its net interest margin ran from 3.12% (Q4 2024) to 3.66% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.13% | 0.66% | 0.33% | 1.89% | 3.66% |
| Q1 2026 | 14.07% | 0.63% | 0.35% | 2.00% | 3.65% |
| Q4 2025 | 14.08% | 0.67% | 0.18% | 1.03% | 3.59% |
| Q3 2025 | 14.17% | 0.64% | 0.37% | 2.14% | 3.44% |
| Q2 2025 | 14.12% | 0.50% | 0.50% | 2.99% | 3.40% |
| Q1 2025 | 13.95% | 0.54% | 0.39% | 2.36% | 3.34% |
| Q4 2024 | 13.74% | 0.36% | 0.38% | 2.41% | 3.12% |
| Q3 2024 | 13.83% | 0.42% | 0.46% | 2.75% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Sugar River Bank (main office) | Newport , NH | 03773 | $170.1M |
| Warner Branch | Warner , NH | 03278 | $72.2M |
| New London Branch | New London , NH | 03257 | $54.2M |
| Sunapee Branch | Sunapee , NH | 03782 | $28.8M |
| Grantham Branch | Grantham , NH | 03753 | $20.7M |
| Concord Branch | Concord , NH | 03301 | $18.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in NH, rank 23 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $155K approved, $78K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Sugar River Bank
What are Sugar River Bank's total assets?
As of the Q2 2026 filing, Sugar River Bank reported total assets of $424.3 million in its FFIEC call report.
Where is Sugar River Bank headquartered?
It is headquartered in Newport, NH, United States.
When was Sugar River Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Sugar River Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sugar River Bank?
Sugar River Bank's primary federal regulator is the FDIC.
How many branches does Sugar River Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sugar River Bank's Texas Ratio?
Its Texas Ratio is 1.89% 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 Sugar River Bank previously called?
The charter now named Sugar River Bank has also operated as Sugar River Savings Bank (1973-2007), per FDIC structure-change records.
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