BlastPoint's Banking Scorecard
Primary Bank
Bedford, NH
4 branches across NH
Primary Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 17.53% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 22.6% in tier
- - Nonperforming Asset Ratio 1.00% above tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - Delinquency Rate 0.43% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$743.4M
+6.3% YoY
+2.8% QoQ
|
+$357.4M |
$386.1M
+0.5% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
Top 10.5% in tier |
| Total Loans ? |
$638.1M
+6.6% YoY
+1.0% QoQ
|
+$382.4M |
$255.7M
+1.1% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Top 4.5% in tier |
| Total Deposits ? |
$621.5M
+5.3% YoY
+2.7% QoQ
|
+$293.5M |
$328.0M
+0.1% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
Top 11.3% in tier |
| Return on Assets ? |
1.31%
-4.5% YoY
-19.1% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.02%
+6.2% YoY
+1.3% QoQ
|
+0.09% |
3.93%
+6.0% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
47.75%
-0.1% YoY
+10.8% QoQ
|
-17.53% |
65.29%
-4.5% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Top 12.1% in tier |
| Delinquency Rate ? |
1.32%
+116.6% YoY
-9.6% QoQ
|
+0.43% |
0.89%
+18.8% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
102.67%
+1.2% YoY
-1.6% QoQ
|
+26.03% |
76.64%
+0.8% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.80%
-10.3% YoY
-8.7% QoQ
|
+3.78% |
22.02%
-1.0% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.64%
+178.1% YoY
-8.8% QoQ
|
+1.00% |
0.64%
+19.7% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.8% in tier |
| Tier 1 Capital Ratio ? |
16.40%
+3.8% YoY
+2.1% QoQ
|
+0.57% |
15.83%
+1.5% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.02%
-0.6% YoY
-77.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.4% 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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.