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Primary Bank

$100M-$1B Specialty: Commercial NH FDIC cert 59086

Bedford, NH

4 branches across 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 +5.1% year over year ($644.2M on the books).
  • Delinquency rate 1.50%.
  • Return on assets 1.75%.
  • Efficiency ratio 45.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 103.19% 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) →

Primary Bank has 3 strengths but faces 4 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 18.85% below tier average
  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 23.2% in tier
  • - Nonperforming Asset Ratio 1.07% above tier average
  • - Non-Interest Income / Assets 0.53% below tier average
  • - Delinquency Rate 0.58% above tier average
Get updates when Primary 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 ? $769.5M
+6.2% YoY +3.5% QoQ
+$383.0M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
Top 9.6% in tier
Total Loans ? $664.8M
+8.4% YoY +4.2% QoQ
+$406.4M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
Top 3.4% in tier
Total Deposits ? $644.2M
+5.1% YoY +3.7% QoQ
+$317.5M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
Top 9.8% in tier
Return on Assets ? 1.75%
+12.4% YoY +33.4% QoQ
+0.43% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.05%
+3.5% YoY +0.6% QoQ
+0.06% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 45.63%
+2.2% YoY -4.4% QoQ
-18.85% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Top 9.7% in tier
Delinquency Rate ? 1.50%
-33.6% YoY +13.2% QoQ
+0.58% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 103.19%
+3.2% YoY +0.5% QoQ
+25.24% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
Bottom 6.9% in tier
Non-Interest-Bearing Deposit Share ? 27.86%
-10.3% YoY +8.0% QoQ
+5.83% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 1.74%
-8.9% YoY +6.2% QoQ
+1.07% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
Bottom 9.5% in tier
Tier 1 Capital Ratio ? 16.36%
+4.1% YoY -0.3% QoQ
+0.45% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.04%
-11.1% YoY +99.7% QoQ
-0.53% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
Bottom 4.0% 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 27.9%
-3.2pp YoY
+2.1pp QoQ
 +5.7pp 22.1% 15.1% 22.2% 76%
Brokered Deposits 9.6%
+3.1pp YoY
0.0pp QoQ
 +1.8pp 7.9% 8.0% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 20.9%
+0.7pp YoY
+1.2pp QoQ
 +9.4pp 11.6% 10.5% 12.5% 90%
CRE 73.9%
0.0pp YoY
-1.0pp QoQ
 +34.3pp 39.5% 41.5% 41.4% 95%
1-4 Family 6.0%
-0.7pp YoY
-0.2pp QoQ
 -26.6pp 32.6% 44.6% 31.3% 6%
Consumer n/a n/a 4.1% 4.8% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio 16.4%
+0.6pp YoY
0.0pp QoQ
 -2.5pp 18.8% 14.5% 19.7% 60%
Leverage Ratio 16.3%
+1.3pp YoY
+0.2pp QoQ
 +4.1pp 12.2% 16.7% 12.6% 91%
Total Capital Ratio 17.4%
+0.6pp YoY
-0.1pp QoQ
 -2.5pp 19.9% 15.6% 20.8% 59%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 60
+1 (+1.7%) YoY
-3 (-4.8%) QoQ
 +1 58 117 482 63%
Assets per Employee ($) $12.8M
+4.4% YoY
+8.7% QoQ
 +$5.3M $7.5M $8.6M $8.8M 94%
Branch Count 4
0 YoY
0 QoQ
 -1 4 7 18 42%

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 1.5%
+0.5pp YoY
+0.2pp QoQ
 +0.6pp 0.9% 0.8% 1.0% 82%
Allowance Coverage 0.67x
+52.6% YoY
-13.8% QoQ
 -23.49x 24.15x 5.03x 20.23x 16%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 11.1%
+0.4pp YoY
+2.8pp QoQ
 -1.1pp 12.2% 7.7% 11.6% 44%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 53%
Net Income ($, YTD) $6.5M
+17.8% YoY
— QoQ
 +$4.0M $2.6M $4.7M $40.4M 94%

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)

Liquidity Overhang

risk
#173 of 742 • Bottom 23.2% 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: 16.36%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 103.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

91
Total Loans
size
Value: $664.77M
Peer Median: $258.35M
#91 of 2643 Top 3.4% in $100M-$1B
256
Total Assets
size
Value: $769.55M
Peer Median: $386.57M
#256 of 2643 Top 9.6% in $100M-$1B
257
Efficiency Ratio
profitability
Value: 45.63%
Peer Median: 64.48%
#257 of 2643 Top 9.7% in $100M-$1B
260
Total Deposits
size
Value: $644.24M
Peer Median: $326.73M
#260 of 2643 Top 9.8% in $100M-$1B
586
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.32%
#586 of 2643 Top 22.1% in $100M-$1B
641
Non-Interest-Bearing Deposit Share
funding
Value: 27.86%
Peer Median: 22.03%
#641 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (4 metrics)

2538
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2538 of 2643 Bottom 4.0% in $100M-$1B
2462
Loan-to-Deposit Ratio
liquidity
Value: 103.19%
Peer Median: 77.95%
#2462 of 2643 Bottom 6.9% in $100M-$1B
2393
Nonperforming Asset Ratio
credit_quality
Value: 1.74%
Peer Median: 0.67%
#2393 of 2643 Bottom 9.5% in $100M-$1B
2144
Delinquency Rate
credit_quality
Value: 1.50%
Peer Median: 0.92%
#2144 of 2633 Bottom 18.6% in $100M-$1B
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