TellerScore

Claremont Savings Bank is a si headquartered in Claremont, New Hampshire, in business for about 119 years. At the end of Q2 2026 it reported $619.7M in total assets and $473.6M in deposits, with 4 offices across 2 states.

Based on its Q2 2026 filing, Claremont Savings Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 17 banks headquartered in New Hampshire, it ranks 7th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is earnings (34/100; 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.40%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 102.6% · 12.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.84%

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 (70 → 68), mostly because the capital cushion component weakened by 3 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202469
Q1 202568
Q2 202570
Q3 202569
Q4 202569
Q1 202669
Q2 202668
Tier 1 leverage ratio
5.00%9.41%13.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.82%
Q3 202413.47%
Q4 202413.07%
Q1 202512.95%
Q2 202512.73%
Q3 202512.51%
Q4 202512.55%
Q1 202612.47%
Q2 202612.40%
Noncurrent loans
0.40%0.52%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.59%
Q4 20240.62%
Q1 20250.63%
Q2 20250.48%
Q3 20250.42%
Q4 20250.41%
Q1 20260.40%
Q2 20260.45%
Return on assets
0.24%0.45%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.48%
Q4 20240.46%
Q1 20250.24%
Q2 20250.43%
Q3 20250.44%
Q4 20250.43%
Q1 20260.35%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$619.7M12.40%0.45%0.35%102.6%
Q1 202669$619.7M12.47%0.40%0.35%103.5%
Q4 202569$620.4M12.55%0.41%0.43%102.5%
Q3 202569$605.1M12.51%0.42%0.44%104.1%
Q2 202570$597.8M12.73%0.48%0.43%101.5%
Q1 202568$575.7M12.95%0.63%0.24%101.6%
Q4 202469$559.1M13.07%0.62%0.46%102.9%
Q3 202472$578.9M13.47%0.59%0.48%95.4%
Q2 202474$528.2M13.82%0.63%0.66%101.7%

2,650 peers · $100 million – $1 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 ratio12.40%
69th
Total risk-based capital0.00%
24th
Problem loans0.45%
48th
Net charge-offs-0.02%
91st
Return on assets0.35%
8th
Net interest margin3.03%
11th
Efficiency ratio88.4%
7th
Loans to deposits102.6%
7th
Uninsured deposits12.9%
88th
Loan-loss reserves0.89%
16th
Texas ratio2.8%
49th

Similar-size banks in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Salem Co-operative BankBank Salem, NH67 out of 100, Moderate$580.0M11.9%0.26%vs
First Seacoast BankBank Dover, NH58 out of 100, Moderate$576.3M8.9%0.03%vs
Primary BankBank Bedford, NH73 out of 100, Strong$769.5M16.3%1.48%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Savings Bank of WalpoleBank Walpole, NH66 out of 100, Moderate$857.9M8.7%0.26%vs
Piscataqua Savings BankBank Portsmouth, NH81 out of 100, Strong$373.4M13.7%0.00%vs

Deposit insurance

Is my money safe at Claremont Savings Bank?

Yes. Claremont Savings Bank is an FDIC-insured institution (FDIC certificate #18038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.9% of deposits ($61.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Claremont Savings Bank lists 4 offices in 4 cities across 2 states. Most locations:

  • Charlestown, NH (1)
  • Claremont, NH (1)
  • Springfield, VT (1)
  • West Lebanon, NH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Claremont Savings Bank
Type
SI
FDIC certificate #
18038
RSSD ID
47500
Primary regulator
FDIC
Established
April 15, 1907
Headquarters
145 Broad St, Claremont, NH 03743
Employees
90

Quick answers

Claremont Savings Bank: common questions

Is Claremont Savings Bank FDIC insured?

Yes. Claremont Savings Bank is an FDIC-insured institution (FDIC certificate #18038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Claremont Savings Bank's TellerScore?

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

Has Claremont Savings Bank ever failed?

There is no failure record for FDIC certificate #18038 in the FDIC failed bank list.

How many branches does Claremont Savings Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Claremont

InstitutionScoreAssetsCapitalProblem loansCompare
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
Bank of New HampshireBank Laconia, NH72 out of 100, Strong$2.8B12.1%0.63%vs
802 Credit UnionCredit union Barre, VT67 out of 100, Moderate$507.7M12.5%1.50%vs
Savings Bank of WalpoleBank Walpole, NH66 out of 100, Moderate$857.9M8.7%0.26%vs
Lighthouse Federal Credit UnionCredit union Dover, NH65 out of 100, Moderate$2.2B10.2%0.38%vs