BlastPoint's Banking Scorecard

Piscataqua Savings Bank

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

Designations: ✓ Mutual

Portsmouth, NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in NH.
Deposits +4.5% year over year ($298.1M on the books).
Delinquency rate 0.00%.
Return on assets 0.38%.
Efficiency ratio 83.02% vs a 64.48% peer average.
Loan-to-deposit ratio 65.97% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in NH

View $100M-$1B leaderboard (NH) →

Piscataqua Savings Bank has 2 strengths but faces 5 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 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 14.2% in tier
- Return on Assets 0.95% below tier average
- Net Interest Margin 2.27% below tier average
- Non-Interest-Bearing Deposit Share 19.12% below tier average
- Efficiency Ratio 18.54% above tier average

Get updates when Piscataqua Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Total Assets ?	$373.4M +1.8% YoY -2.1% QoQ	-$13.2M	$386.6M +1.2% YoY	$985.9M +4.5% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$196.6M -2.5% YoY -2.6% QoQ	-$61.7M	$258.3M +1.7% YoY	$784.0M +4.1% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$298.1M +4.5% YoY -0.3% QoQ	-$28.7M	$326.7M +0.7% YoY	$821.8M +4.3% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	0.38% +225.0% YoY +4.3% QoQ	-0.95%	1.32% +10.8% YoY	2.60% +26.0% YoY	1.30% +12.1% YoY	Bottom 9.2% in tier
Net Interest Margin ?	1.72% +32.0% YoY +5.6% QoQ	-2.27%	3.99% +5.0% YoY	3.32% +9.1% YoY	3.95% +4.9% YoY	Bottom 0.5% in tier
Efficiency Ratio ?	83.02% -26.3% YoY +0.4% QoQ	+18.54%	64.48% -3.2% YoY	72.35% -12.1% YoY	70.05% +2.5% YoY	Bottom 10.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.71% +32.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	65.97% -6.7% YoY -2.4% QoQ	-11.98%	77.95% +1.0% YoY	86.43% -0.1% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	2.91% -0.2% YoY +10.8% QoQ	-19.12%	22.03% -0.6% YoY	14.23% -1.6% YoY	21.98% -0.6% YoY	Bottom 2.0% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.64% +37.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.67% -1.3% YoY +3.4% QoQ	-2.24%	15.91% +1.4% YoY	18.41% -3.0% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.57% +32.4% YoY +92.1% QoQ	+0.00%	0.57% +7.6% YoY	2.02% +14.2% YoY	0.66% +5.2% YoY	Top 7.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Noninterest-Bearing	2.9% 0.0pp YoY +0.3pp QoQ	-19.2pp	22.1%	15.1%	22.2%	2%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	10.5%	12.5%	n/a
CRE	1.1% +0.1pp YoY -0.2pp QoQ	-38.5pp	39.5%	41.5%	41.4%	0%
1-4 Family	98.2% -0.7pp YoY +0.1pp QoQ	+65.5pp	32.6%	44.6%	31.3%	99%
Consumer	0.9% +0.5pp YoY +0.1pp QoQ	-3.2pp	4.1%	4.8%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	14.5%	19.7%	n/a
Leverage Ratio	13.7% -0.2pp YoY +0.5pp QoQ	+1.5pp	12.2%	16.7%	12.6%	80%
Total Capital Ratio	n/a	n/a	19.9%	15.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Full-Time Employees	37 +2 (+5.7%) YoY 0 QoQ	-22	58	117	482	37%
Assets per Employee ($)	$10.1M -3.7% YoY -2.1% QoQ	+$2.6M	$7.5M	$8.6M	$8.8M	86%
Branch Count	1 0 YoY 0 QoQ	-4	4	7	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.0%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	5.03x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.0%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
ROE	3.5% +6.2pp YoY +0.1pp QoQ	-8.7pp	12.2%	7.7%	11.6%	9%
Cost of Funds (YTD)	2.3% -0.1pp YoY -0.1pp QoQ	+0.6pp	1.7%	1.7%	1.7%	84%
Net Income ($, YTD)	$714,000 +230.3% YoY — QoQ	-$1.8M	$2.6M	$4.7M	$40.4M	17%

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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 (1)

Flatlined Growth

risk

#76 of 529 • Bottom 14.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.38%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

198

Non-Interest Income / Assets

revenue_mix

Value: 0.57%

Peer Median: 0.57%

#198 of 2643 Top 7.5% in $100M-$1B

652

Loan-to-Deposit Ratio

liquidity

Value: 65.97%

Peer Median: 77.95%

#652 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2632

Net Interest Margin

profitability

Value: 1.72%

Peer Median: 3.99%

#2632 of 2643 Bottom 0.5% in $100M-$1B

2590

Non-Interest-Bearing Deposit Share

funding

Value: 2.91%

Peer Median: 22.03%

#2590 of 2643 Bottom 2.0% in $100M-$1B

2400

Return on Assets

profitability

Value: 0.38%

Peer Median: 1.32%

#2400 of 2643 Bottom 9.2% in $100M-$1B

2358

Efficiency Ratio

profitability

Value: 83.02%

Peer Median: 64.48%

#2358 of 2643 Bottom 10.8% in $100M-$1B