| Metric | Bank of New Hampshire | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +5.5% | +0.6 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +3.5% | +5.9% | -2.5 pts |
| ROA | 0.99% | 1.26% | -0.3 pts |
| ROE | 8.5% | 12.2% | -3.7 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.80B | $2.40B | $2.20B | $339.3M | $13.8M | 0.99% | 3.33% | 0.50% |
| Q1 2026 | $2.81B | $2.44B | $2.14B | $322.4M | $6.6M | 0.95% | 3.25% | 0.26% |
| Q4 2025 | $2.75B | $2.34B | $2.14B | $318.6M | $24.7M | 0.92% | 3.04% | 0.05% |
| Q3 2025 | $2.73B | $2.35B | $2.12B | $310.5M | $17.4M | 0.87% | 2.99% | 0.04% |
| Q2 2025 | $2.64B | $2.26B | $2.13B | $301.7M | $10.4M | 0.79% | 2.90% | 0.04% |
| Q1 2025 | $2.65B | $2.30B | $2.10B | $294.0M | $4.9M | 0.75% | 2.80% | 0.04% |
| Q4 2024 | $2.62B | $2.26B | $2.07B | $284.6M | $16.9M | 0.66% | 2.73% | 0.04% |
| Q3 2024 | $2.58B | $2.18B | $2.05B | $287.2M | $13.4M | 0.71% | 2.70% | 0.02% |
Loan mix (Q2 2026): real estate $2.12B · commercial $56.7M · consumer $21.2M · securities $290.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of New Hampshire | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 12.2% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.8% | 59.0% | 45th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of New Hampshire | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of New Hampshire | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of New Hampshire | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of New Hampshire | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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