BlastPoint's Banking Scorecard

Sugar River Bank

$100M-$1B Specialty: Mortgage NH FDIC cert 18028

Newport, NH

6 branches across NH

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

Sugar River Bank has 1 strength 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

+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- ROA 0.64% below tier average
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 11.75% above tier average

Get updates when Sugar River 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 ?	$416.5M +4.0% YoY +0.1% QoQ	+$30.4M	$386.1M +0.5% YoY	$977.6M +5.3% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$284.6M +3.7% YoY -1.0% QoQ	+$28.8M	$255.7M +1.1% YoY	$770.5M +4.0% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$358.4M +5.2% YoY +1.1% QoQ	+$30.4M	$328.0M +0.1% YoY	$822.1M +5.6% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	0.63% +17.5% YoY +7.9% QoQ	-0.64%	1.27% +12.9% YoY	2.50% +26.1% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.73% +7.7% YoY +5.2% QoQ	-0.20%	3.93% +6.0% YoY	3.31% +10.6% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	77.04% -3.5% YoY -0.7% QoQ	+11.75%	65.29% -4.5% YoY	72.72% -15.7% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.35% -11.5% YoY +98.4% QoQ	-0.54%	0.89% +18.8% YoY	0.86% +40.0% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	79.41% -1.4% YoY -2.1% QoQ	+2.77%	76.64% +0.8% YoY	86.08% -1.1% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	22.85% +5.1% YoY +6.8% QoQ	+0.83%	22.02% -1.0% YoY	13.95% -6.5% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.24% -11.8% YoY +96.2% QoQ	-0.40%	0.64% +19.7% YoY	0.71% +38.7% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	14.07% +0.9% YoY -0.1% QoQ	-1.76%	15.83% +1.5% YoY	18.81% -1.3% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.11% -2.4% YoY -76.6% QoQ	-0.17%	0.28% +9.3% YoY	1.05% +15.4% YoY	0.32% +4.1% YoY	58%

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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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2202

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.27%

#2202 of 2664 Bottom 17.4% in $100M-$1B

2147

Efficiency Ratio

profitability

Value: 77.04%

Peer Median: 65.29%

#2147 of 2664 Bottom 19.4% in $100M-$1B