New Hampshire

Banks

New Hampshire's 17 banks hold $16.8B in assets at 30 June 2026. Mascoma Bank is the largest at $3.0B, and the five largest hold 64% of the total; 5 institutions are above $1B, holding $10.7B.

Loans grew a median +4.5% in the year to 30 June 2026: 3 institutions grew faster than 10% and 2 shrank. The median bank lends 94% of its deposits and holds commercial real estate at 20.1% of loans. Nonperforming loans sit at a median 0.43% of the book, return on assets at 0.56%, and equity at 9.6% of assets.

6 of the 17 are in the catalogue, each read from its own filing beside the banks its size in the state: Mascoma Bank, Bank of New Hampshire, Bank of New England, Franklin Savings Bank, Savings Bank of Walpole, Primary Bank.

Mascoma Bank holds 18.1% of the state's bank assets; the five largest hold 64%, and 5 of the 17 are above $1B.

The curve's distance from the diagonal is the concentration: 64% of the assets in 29% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 36.7% of the state's $13.5B in loans, then Nonfarm nonresidential, non-owner-occupied at 21.4% and Nonfarm nonresidential, owner-occupied at 11.5%.

Millyard Bank grew fastest at +25.8%; 3 grew faster than 10% and 2 shrank, First Seacoast Bank the most at -4.1%. The median is +4.5%.

Bank of New England is the most CRE-weighted at 86.5% of loans; 4 of the 17 are above 40%, against a median of 20.1%.

4 of the 17 banks sit above the 300% screen, Bank of New England the highest at 447% of capital; the median is 140%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

1 of the 17 bank sits above the 100% construction screen, Bank of New England the highest at 195%; the median is 41%.

6 of the 17 lend more than they hold in deposits, Salem Coop Bank the furthest at 120%; the median is 94%.

Walden Mutual Bank carries the most nonperforming loans at 3.50% of the book; 3 of the 17 are above 1%, and the median is 0.43%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 17 hold an allowance smaller than their nonperforming loans.

Fidelity Personal Trust Co. FSB earns the most at 32.27% and First Seacoast Bank the least at -0.09%; 8 of the 17 earn under 0.50%, and the median is 0.56%.

Bank of New England runs the leanest at 29.7% of revenue in cost; 7 of the 17 spend more than 80 cents of every revenue dollar, and the median is 76.5%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Mascoma Bank	$3.0B	+3.5%	32.0%	96%	0.15%	0.49%	8.5%
Bank of New Hampshire	$2.8B	+3.6%	58.7%	93%	0.63%	0.98%	12.1%
Bank of New England	$1.8B	+0.8%	86.5%	105%	1.73%	2.19%	16.6%
Meredith Village Savings Bank	$1.6B	+3.7%	13.5%	107%	0.41%	0.56%	9.6%
Merrimack County Savings Bank	$1.4B	+3.4%	19.5%	102%	0.64%	0.47%	8.9%
Franklin Savings Bank	$931M	+5.4%	45.4%	94%	0.50%	1.09%	8.8%
Savings Bank of Walpole	$858M	+6.6%	13.1%	82%	0.26%	0.84%	7.7%
Primary Bank	$770M	+8.4%	48.7%	104%	1.48%	1.75%	15.8%
Claremont Savings Bank	$620M	+6.9%	13.4%	104%	0.45%	0.34%	11.7%
Salem Coop Bank	$580M	+3.1%	20.7%	120%	0.26%	0.25%	11.0%
First Seacoast Bank	$576M	-4.1%	9.4%	89%	0.03%	-0.09%	8.2%
Sugar River Bank	$424M	+5.2%	12.0%	81%	0.33%	0.64%	11.6%
Piscataqua Savings Bank	$373M	-2.6%	0.8%	66%	0.00%	0.38%	11.1%
Millyard Bank	$333M	+25.8%	37.6%	95%	0.85%	0.63%	9.2%
Profile Bank	$317M	+10.0%	26.6%	71%	0.02%	0.25%	8.9%

Credit unions

New Hampshire's 12 credit unions hold $14.0B in assets at 31 March 2026. Service is the largest at $6.6B, and the five largest hold 86% of the total; 3 institutions are above $1B, holding $10.5B.

Loans grew a median +4.2% in the year to 31 March 2026: 2 institutions grew faster than 10% and 5 shrank. The median credit union lends 78% of its shares, with member business loans at 3.4% of loans. Delinquent loans sit at a median 0.34% of the book, return on assets at 0.93%, and net worth at 9.8% of assets.

None of the 12 is in the catalogue yet.

Service holds 47.4% of the state's credit union assets; the five largest hold 86%, and 3 of the 12 are above $1B.

The curve's distance from the diagonal is the concentration: 86% of the assets in 42% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Holy Rosary grew fastest at +11.4%; 2 grew faster than 10% and 5 shrank, N G M Employees the most at -15.0%. The median is +4.2%.

Triangle carries the most commercial lending at 17.5% of loans; 4 of the 12 are above 10%, against a median of 3.4%.

0 of the 12 lend more than they hold in shares, ST Mary's Bank the furthest at 100%; the median is 78%.

Precision carries the most delinquency at 2.82% of the book; 2 of the 12 are above 1%, and the median is 0.34%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 12 hold an allowance smaller than their delinquent loans.

New Hampshire Postal earns the most at 1.96% and Bellwether Community the least at 0.24%; 2 of the 12 earn under 0.50%, and the median is 0.93%.

New Hampshire Postal runs the leanest at 50.0% of revenue in cost; 4 of the 12 spend more than 80 cents of every revenue dollar, and the median is 72.5%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Service	$6.6B	+7.4%	12.6%	93%	2.68%	0.94%	11.8%
Lighthouse	$2.1B	+7.7%	6.1%	99%	0.35%	1.31%	10.8%
ST Mary's Bank	$1.8B	+10.9%	12.5%	100%	0.34%	0.92%	10.0%
Triangle	$872M	-1.3%	17.5%	78%	0.36%	0.60%	8.7%
Granite State	$754M	+5.7%	1.5%	77%	0.49%	1.14%	9.6%
Bellwether Community	$670M	+5.3%	15.1%	90%	0.19%	0.24%	9.4%
Holy Rosary	$502M	+11.4%	3.9%	70%	0.16%	0.96%	9.1%
New Hampshire	$336M	+3.1%	0.0%	89%	0.05%	1.12%	13.3%
Members First Credit Union of New Hampshire	$281M	-2.1%	2.9%	56%	0.42%	0.77%	9.1%
New Hampshire Postal	$66M	-5.9%	0.0%	27%	0.06%	1.96%	22.9%
Precision	$28M	-3.1%	0.0%	45%	2.82%	0.78%	11.9%
N G M Employees	$8M	-15.0%	0.0%	48%	0.24%	0.42%	7.3%