BlastPoint's Banking Scorecard

Piscataqua Savings Bank

$100M-$1B Specialty: Mortgage NH FDIC cert 17443

Designations: ✓ Mutual

Portsmouth, NH

2664 banks in the $100M-$1B peer group nationally 11 in NH

Piscataqua Savings Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 0.91% below tier average
- Net Interest Margin 2.31% below tier average
- Non-Interest-Bearing Deposit Share 19.40% below tier average
- Efficiency Ratio 17.44% above tier average

Get updates when Piscataqua Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Total Assets ?	$381.3M +4.9% YoY -0.5% QoQ	-$4.8M	$386.1M +0.5% YoY	$977.6M +5.3% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$202.0M +2.6% YoY +0.9% QoQ	-$53.7M	$255.7M +1.1% YoY	$770.5M +4.0% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$298.9M +0.4% YoY -0.5% QoQ	-$29.1M	$328.0M +0.1% YoY	$822.1M +5.6% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	0.36% +166.9% YoY +472.4% QoQ	-0.91%	1.27% +12.9% YoY	2.50% +26.1% YoY	1.23% +13.4% YoY	Bottom 9.6% in tier
Net Interest Margin ?	1.62% +32.8% YoY +15.9% QoQ	-2.31%	3.93% +6.0% YoY	3.31% +10.6% YoY	3.89% +5.7% YoY	Bottom 0.3% in tier
Efficiency Ratio ?	82.73% -34.3% YoY -20.8% QoQ	+17.44%	65.29% -4.5% YoY	72.72% -15.7% YoY	66.95% -4.1% YoY	Bottom 12.4% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.86% +40.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	67.57% +2.1% YoY +1.4% QoQ	-9.07%	76.64% +0.8% YoY	86.08% -1.1% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	2.62% +11.6% YoY +0.8% QoQ	-19.40%	22.02% -1.0% YoY	13.95% -6.5% YoY	22.01% -1.2% YoY	Bottom 1.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.71% +38.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.22% -5.4% YoY -0.2% QoQ	-2.62%	15.83% +1.5% YoY	18.81% -1.3% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.30% +49.7% YoY -64.3% QoQ	+0.02%	0.28% +9.3% YoY	1.05% +15.4% YoY	0.32% +4.1% YoY	Top 6.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

178

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.28%

#178 of 2664 Top 6.6% in $100M-$1B

Top Weaknesses (4 metrics)

2656

Net Interest Margin

profitability

Value: 1.62%

Peer Median: 3.93%

#2656 of 2664 Bottom 0.3% in $100M-$1B

2614

Non-Interest-Bearing Deposit Share

funding

Value: 2.62%

Peer Median: 22.02%

#2614 of 2664 Bottom 1.9% in $100M-$1B

2409

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.27%

#2409 of 2664 Bottom 9.6% in $100M-$1B

2334

Efficiency Ratio

profitability

Value: 82.73%

Peer Median: 65.29%

#2334 of 2664 Bottom 12.4% in $100M-$1B