BlastPoint's Banking Scorecard

Bank of New Hampshire

$1B-$10B Specialty: Commercial NH FDIC cert 18012

Designations: ✓ Community bank

Laconia, NH

21 branches across NH

884 banks in the $1B-$10B peer group nationally 5 in NH

Bank of New Hampshire has 2 strengths but faces 3 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

+ Efficiency Ratio 3.26% below tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.7% in tier
- ROA 0.42% below tier average
- Net Interest Margin 0.56% below tier average

Get updates when Bank of New Hampshire releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Total Assets ?	$2.8B +5.9% YoY +2.3% QoQ	-$3.7M	$2.8B -0.1% YoY	$977.6M +5.3% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$2.1B +1.9% YoY -0.2% QoQ	+$171.3M	$2.0B +0.6% YoY	$770.5M +4.0% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$2.4B +6.0% YoY +4.1% QoQ	+$94.6M	$2.3B -0.3% YoY	$822.1M +5.6% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	0.95% +27.1% YoY +3.0% QoQ	-0.42%	1.37% +19.6% YoY	2.50% +26.1% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.25% +16.2% YoY +6.9% QoQ	-0.56%	3.82% +6.9% YoY	3.31% +10.6% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	57.80% -15.7% YoY -9.3% QoQ	-3.26%	61.06% -4.6% YoY	72.72% -15.7% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.35% +565.5% YoY +475.2% QoQ	-0.54%	0.89% +14.1% YoY	0.86% +40.0% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	87.62% -3.9% YoY -4.1% QoQ	+3.42%	84.20% +0.3% YoY	86.08% -1.1% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	19.57% -1.0% YoY +4.2% QoQ	-1.71%	21.29% -2.5% YoY	13.95% -6.5% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.26% +540.2% YoY +461.0% QoQ	-0.41%	0.67% +15.6% YoY	0.71% +38.7% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	13.57% +4.8% YoY +2.3% QoQ	-1.59%	15.16% +2.0% YoY	18.81% -1.3% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.14% -6.6% YoY -76.9% QoQ	-0.12%	0.26% +1.6% YoY	1.05% +15.4% YoY	0.32% +4.1% YoY	47%

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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)

Credit Risk Growth

risk

#71 of 420 • Bottom 16.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available