BlastPoint's Banking Scorecard
Bank of New England
Designations: ✓ Community bank
Salem, NH
9 branches across NH · MA
Bank of New England has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40.7% in tier
- + Efficiency Ratio 33.23% below tier average
- + Net Interest Margin 0.51% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.37% below tier average
- - Nonperforming Asset Ratio 0.95% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+9.5% YoY
+2.3% QoQ
|
-$967.3M |
$2.8B
-0.1% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$1.6B
+7.8% YoY
-0.3% QoQ
|
-$406.3M |
$2.0B
+0.6% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$1.5B
+10.3% YoY
+3.7% QoQ
|
-$815.2M |
$2.3B
-0.3% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
2.14%
+9.9% YoY
-6.3% QoQ
|
+0.77% |
1.37%
+19.6% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
Top 7.2% in tier |
| Net Interest Margin ? |
4.33%
+2.6% YoY
-1.1% QoQ
|
+0.51% |
3.82%
+6.9% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
27.83%
-9.9% YoY
+6.0% QoQ
|
-33.23% |
61.06%
-4.6% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Top 1.2% in tier |
| Delinquency Rate ? |
0.70%
-14.6% YoY
-3.5% QoQ
|
-0.19% |
0.89%
+14.1% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
101.99%
-2.3% YoY
-3.9% QoQ
|
+17.79% |
84.20%
+0.3% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.92%
-10.8% YoY
-2.5% QoQ
|
-13.37% |
21.29%
-2.5% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.9% in tier |
| Nonperforming Asset Ratio ? |
1.62%
-11.5% YoY
-3.6% QoQ
|
+0.95% |
0.67%
+15.6% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.5% in tier |
| Tier 1 Capital Ratio ? |
15.87%
-5.4% YoY
-4.5% QoQ
|
+0.71% |
15.16%
+2.0% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.00%
+86.8% YoY
-93.9% QoQ
|
-0.25% |
0.26%
+1.6% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.1% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.