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Bank of New England

$1B-$10B Specialty: Commercial NH FDIC cert 24540

Designations: ✓ Community bank

Salem, NH

9 branches across NH · MA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in NH.
  • Deposits +3.7% year over year ($1.5B on the books).
  • Delinquency rate 1.74%.
  • Return on assets 2.17%.
  • Efficiency ratio 29.67% vs a 59.73% peer average.
  • Loan-to-deposit ratio 103.67% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 5 in NH
View $1B-$10B leaderboard (NH) →

Bank of New England has 3 strengths but faces 6 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

  • + Return on Assets 0.77% above tier average
  • + Efficiency Ratio 30.06% below tier average
  • + Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 24.4% in tier
  • - Liquidity Strain: Bottom 41.8% in tier
  • - Non-Interest-Bearing Deposit Share 12.37% below tier average
  • - Nonperforming Asset Ratio 2.46% above tier average
  • - Non-Interest Income / Assets 0.52% below tier average
  • - Delinquency Rate 0.88% above tier average
Get updates when Bank of New England releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Total Assets ? $1.8B
+4.1% YoY -1.5% QoQ
-$973.3M $2.8B
-0.6% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $1.5B
+0.9% YoY -0.7% QoQ
-$415.1M $2.0B
-0.3% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $1.5B
+3.7% YoY -2.3% QoQ
-$825.5M $2.3B
-0.5% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 2.17%
+5.5% YoY +1.2% QoQ
+0.77% 1.39%
+17.0% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
Top 7.2% in tier
Net Interest Margin ? 4.22%
-1.6% YoY -2.5% QoQ
+0.35% 3.87%
+6.2% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 29.67%
+2.8% YoY +6.6% QoQ
-30.06% 59.73%
-12.6% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Top 1.9% in tier
Delinquency Rate ? 1.74%
+134.1% YoY +150.3% QoQ
+0.88% 0.87%
+11.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
Bottom 11.7% in tier
Loan-to-Deposit Ratio ? 103.67%
-2.7% YoY +1.6% QoQ
+18.63% 85.04%
-0.1% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
Bottom 8.5% in tier
Non-Interest-Bearing Deposit Share ? 8.91%
-2.2% YoY +12.5% QoQ
-12.37% 21.27%
-1.5% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
Bottom 9.0% in tier
Nonperforming Asset Ratio ? 3.13%
+79.4% YoY +93.2% QoQ
+2.46% 0.67%
+11.7% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
Bottom 2.6% in tier
Tier 1 Capital Ratio ? 16.78%
+2.6% YoY +5.8% QoQ
+1.94% 14.84%
-0.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.01%
+32.3% YoY +126.8% QoQ
-0.52% 0.53%
+2.5% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
Bottom 1.2% 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 8.9%
-0.2pp YoY
+1.0pp QoQ
 -12.5pp 21.4% 15.1% 22.2% 8%
Brokered Deposits 29.9%
+0.5pp YoY
+0.7pp QoQ
 +20.4pp 9.5% 8.0% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 2.9%
-0.2pp YoY
+0.1pp QoQ
 -11.1pp 14.0% 10.5% 12.5% 9%
CRE 97.8%
0.0pp YoY
-0.3pp QoQ
 +47.7pp 50.0% 41.5% 41.4% 100%
1-4 Family 0.4%
-0.1pp YoY
0.0pp QoQ
 -26.1pp 26.4% 44.6% 31.3% 1%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 4.8% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 14.5% 19.7% n/a
Leverage Ratio 16.8%
+0.4pp YoY
+0.9pp QoQ
 +5.5pp 11.3% 16.7% 12.6% 96%
Total Capital Ratio n/a n/a 16.7% 15.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 110
+7 (+6.8%) YoY
+2 (+1.9%) QoQ
 -204 313 117 482 10%
Assets per Employee ($) $16.5M
-2.5% YoY
-3.3% QoQ
 +$6.1M $10.5M $8.6M $8.8M 92%
Branch Count 9
0 YoY
0 QoQ
 -11 20 7 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.0% 0.4% n/a
Nonaccrual 1.7%
+1.0pp YoY
+1.0pp QoQ
 +0.9pp 0.8% 0.8% 1.0% 90%
Allowance Coverage 0.54x
-60.5% YoY
-62.1% QoQ
 -18.17x 18.71x 5.03x 20.23x 8%
Net Charge-off Rate (YTD) 0.1%
0.0pp QoQ
 -0.1pp 0.3% 0.0% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 13.2%
+0.9pp YoY
+0.1pp QoQ
 +0.6pp 12.6% 7.7% 11.6% 59%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.9% 1.7% 1.7% 86%
Net Income ($, YTD) $19.8M
+16.4% YoY
— QoQ
 +$516K $19.2M $4.7M $40.4M 69%

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 (2)

Liquidity Overhang

risk
#43 of 172 • Bottom 24.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.78%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 103.67%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

Liquidity Strain

risk
#152 of 361 • Bottom 41.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 103.67%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

18
Efficiency Ratio
profitability
Value: 29.67%
Peer Median: 59.73%
#18 of 885 Top 1.9% in $1B-$10B
65
Return on Assets
profitability
Value: 2.17%
Peer Median: 1.39%
#65 of 885 Top 7.2% in $1B-$10B
139
Tier 1 Capital Ratio
capital
Value: 16.78%
Peer Median: 14.84%
#139 of 885 Top 15.6% in $1B-$10B
193
Net Interest Margin
profitability
Value: 4.22%
Peer Median: 3.87%
#193 of 885 Top 21.7% in $1B-$10B

Top Weaknesses (5 metrics)

875
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.53%
#875 of 885 Bottom 1.2% in $1B-$10B
863
Nonperforming Asset Ratio
credit_quality
Value: 3.13%
Peer Median: 0.67%
#863 of 885 Bottom 2.6% in $1B-$10B
811
Loan-to-Deposit Ratio
liquidity
Value: 103.67%
Peer Median: 85.04%
#811 of 885 Bottom 8.5% in $1B-$10B
806
Non-Interest-Bearing Deposit Share
funding
Value: 8.91%
Peer Median: 21.27%
#806 of 885 Bottom 9.0% in $1B-$10B
780
Delinquency Rate
credit_quality
Value: 1.74%
Peer Median: 0.87%
#780 of 882 Bottom 11.7% in $1B-$10B
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