Headquartered in Bedford, New Hampshire, Primary Bank is a state-chartered bank with $769.5M in total assets and $644.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2015.
Based on its Q2 2026 filing, Primary Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 17 banks headquartered in New Hampshire, it ranks 5th. Its strongest component is capital cushion (100/100; 16.32%), and its lowest is funding & liquidity (27/100; 103% loans-to-deposits, 42% uninsured).
TellerScore · Q2 2026
Scorecard
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 rose 9 points (64 → 73), mostly because the loan quality component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 68 |
| Q4 2024 | 77 |
| Q1 2025 | 78 |
| Q2 2025 | 64 |
| Q3 2025 | 76 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.74% |
| Q3 2024 | 14.09% |
| Q4 2024 | 14.06% |
| Q1 2025 | 15.01% |
| Q2 2025 | 15.03% |
| Q3 2025 | 15.03% |
| Q4 2025 | 15.32% |
| Q1 2026 | 16.16% |
| Q2 2026 | 16.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 1.41% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.60% |
| Q2 2025 | 2.23% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.45% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $769.5M | 16.32% | 1.48% | 1.75% | 103.2% |
| Q1 2026 | 71 | $743.4M | 16.16% | 1.31% | 1.31% | 102.7% |
| Q4 2025 | 72 | $722.8M | 15.32% | 1.45% | 1.62% | 104.4% |
| Q3 2025 | 76 | $734.2M | 15.03% | 0.98% | 1.65% | 102.6% |
| Q2 2025 | 64 | $724.8M | 15.03% | 2.23% | 1.56% | 100.0% |
| Q1 2025 | 78 | $699.1M | 15.01% | 0.60% | 1.37% | 101.5% |
| Q4 2024 | 77 | $708.8M | 14.06% | 0.54% | 1.51% | 98.3% |
| Q3 2024 | 68 | $716.7M | 14.09% | 1.41% | 1.44% | 96.5% |
| Q2 2024 | 77 | $706.7M | 13.74% | 0.36% | 1.42% | 97.8% |
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).
Similar-size banks in New Hampshire
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Savings Bank of WalpoleBank Walpole, NH | 66 out of 100, Moderate | $857.9M | 8.7% | 0.26% | vs |
| Claremont Savings BankBank Claremont, NH | 68 out of 100, Moderate | $619.7M | 12.4% | 0.45% | vs |
| Franklin Savings BankBank Franklin, NH | 66 out of 100, Moderate | $931.4M | 9.8% | 0.50% | vs |
| Salem Co-operative BankBank Salem, NH | 67 out of 100, Moderate | $580.0M | 11.9% | 0.26% | vs |
| First Seacoast BankBank Dover, NH | 58 out of 100, Moderate | $576.3M | 8.9% | 0.03% | vs |
| Sugar River BankBank Newport, NH | 80 out of 100, Strong | $424.3M | 14.1% | 0.33% | vs |
Deposit insurance
Is my money safe at Primary Bank?
Yes. Primary Bank is an FDIC-insured institution (FDIC certificate #59086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.9% of deposits ($270.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.40% (benchmark: 10%).
4 locations
Branches
Primary Bank lists 4 offices in 4 cities. Most locations:
- Bedford, NH (1)
- Derry, NH (1)
- Manchester, NH (1)
- Nashua, NH (1)
Identity & history
Profile
- Legal name
- Primary Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59086
- RSSD ID
- 4845861
- Primary regulator
- FDIC
- Established
- July 28, 2015
- Headquarters
- 207 Route 101, Bedford, NH 03110
- Website
- www.primarybanknh.com
- Employees
- 60
Quick answers
Primary Bank: common questions
Is Primary Bank FDIC insured?
Yes. Primary Bank is an FDIC-insured institution (FDIC certificate #59086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Primary Bank's TellerScore?
73 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 Primary Bank ever failed?
There is no failure record for FDIC certificate #59086 in the FDIC failed bank list.
How many branches does Primary Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bedford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Hampshire Postal Credit UnionCredit union Manchester, NH | 100 out of 100, Very strong | $68.5M | 22.6% | 0.03% | vs |
| Fidelity Personal Trust Company, FSBBank Merrimack, NH | 93 out of 100, Very strong | $74.6M | 101.5% | 0.00% | vs |
| New Hampshire Federal Credit UnionCredit union Concord, NH | 85 out of 100, Very strong | $331.6M | 13.8% | 0.07% | vs |
| The Andovers Federal Credit UnionCredit union Andover, MA | 81 out of 100, Strong | $36.9M | 13.2% | 0.67% | vs |
| Sugar River BankBank Newport, NH | 80 out of 100, Strong | $424.3M | 14.1% | 0.33% | vs |
| Haverhill BankBank Haverhill, MA | 77 out of 100, Strong | $636.8M | 11.2% | 0.14% | vs |