TellerScore

Headquartered in Laconia, New Hampshire, Bank of New Hampshire is a state-chartered bank (fed member) with $2.8B in total assets and $2.4B in deposits as of Q2 2026. It operates 21 offices. Its charter dates back to 1831.

Based on its Q2 2026 filing, Bank of New Hampshire scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 17 banks headquartered in New Hampshire, it ranks 6th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is earnings (60/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.08%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 19.0% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (74 → 72), mostly because the loan quality component weakened by 19 points.

TellerScore
727475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202473
Q1 202574
Q2 202574
Q3 202575
Q4 202575
Q1 202674
Q2 202672
Tier 1 leverage ratio
5.00%8.54%12.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.45%
Q3 202411.39%
Q4 202411.27%
Q1 202511.33%
Q2 202511.49%
Q3 202511.59%
Q4 202511.54%
Q1 202611.77%
Q2 202612.08%
Noncurrent loans
0.03%0.33%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.03%
Q4 20240.05%
Q1 20250.05%
Q2 20250.05%
Q3 20250.05%
Q4 20250.06%
Q1 20260.34%
Q2 20260.63%
Return on assets
0.66%0.82%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.71%
Q4 20240.66%
Q1 20250.75%
Q2 20250.79%
Q3 20250.87%
Q4 20250.92%
Q1 20260.95%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$2.8B12.08%0.63%0.99%91.8%
Q1 202674$2.8B11.77%0.34%0.95%87.6%
Q4 202575$2.7B11.54%0.06%0.92%91.4%
Q3 202575$2.7B11.59%0.05%0.87%90.3%
Q2 202574$2.6B11.49%0.05%0.79%94.0%
Q1 202574$2.7B11.33%0.05%0.75%91.2%
Q4 202473$2.6B11.27%0.05%0.66%91.7%
Q3 202473$2.6B11.39%0.03%0.71%94.2%
Q2 202472$2.5B11.45%0.05%0.66%95.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.08%
77th
Total risk-based capital15.00%
67th
Problem loans0.63%
41st
Net charge-offs0.00%
72nd
Return on assets0.99%
30th
Net interest margin3.33%
28th
Efficiency ratio57.8%
55th
Loans to deposits91.8%
35th
Uninsured deposits19.0%
85th
Loan-loss reserves1.33%
74th
Texas ratio3.8%
47th

Similar-size banks in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Mascoma BankBank Lebanon, NH64 out of 100, Moderate$3.0B9.1%0.15%vs
Bank of New EnglandBank Salem, NH73 out of 100, Strong$1.8B16.8%1.73%vs
Meredith Village Savings BankBank Meredith, NH62 out of 100, Moderate$1.6B10.3%0.41%vs
Merrimack County Savings BankBank Concord, NH60 out of 100, Moderate$1.4B9.8%0.64%vs

Deposit insurance

Is my money safe at Bank of New Hampshire?

Yes. Bank of New Hampshire is an FDIC-insured institution (FDIC certificate #18012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.0% of deposits ($454.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.00% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Bank of New Hampshire lists 21 offices in 19 cities. Most locations:

  • Concord, NH (2)
  • Gilford, NH (2)
  • Antrim, NH (1)
  • Bedford, NH (1)
  • Campton, NH (1)
  • Claremont, NH (1)
  • Conway, NH (1)
  • Dover, NH (1)
  • Gorham, NH (1)
  • Hillsborough, NH (1)
  • Laconia, NH (1)
  • Lincoln, NH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of New Hampshire reported 19 home-loan applications under HMDA (LEI 254900PJVECT3YD6KY88): 18 originated ($38,510,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of New Hampshire
Former names
Laconia Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
18012
RSSD ID
265407
Primary regulator
FED
Holding company
Bnh Financial
Established
July 2, 1831
Headquarters
62 Pleasant St, Laconia, NH 03246
Employees
249

Quick answers

Bank of New Hampshire: common questions

Is Bank of New Hampshire FDIC insured?

Yes. Bank of New Hampshire is an FDIC-insured institution (FDIC certificate #18012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of New Hampshire's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of New Hampshire ever failed?

There is no failure record for FDIC certificate #18012 in the FDIC failed bank list.

How many branches does Bank of New Hampshire have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Laconia

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Granite State Credit UnionCredit union Manchester, NH70 out of 100, Strong$749.5M9.9%0.49%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs