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Bank of New Hampshire
Laconia, NH·FDIC Cert #18012·Charter: STATE·Est. 18310702.0·HC: BNH FINANCIAL
Total Assets
$2.7B
Q4 2025
Return on Assets
0.92%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.72%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%+0.05
ROE
8.17%+0.40
Efficiency
63.72%-1.33
Equity/Assets
0.00%+0.00
NPL Ratio
0.06%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.41%+1.14
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.7 | 0.7 | 0.8 | 0.9 | 0.9 |
| ROE | 6.2 | 6.1 | 6.5 | 6.1 | 6.8 | 7.1 | 7.8 | 8.2 |
| Efficiency | 72.0 | 72.5 | 71.0 | 72.4 | 68.6 | 67.6 | 65.0 | 63.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 94.5 | 95.6 | 94.2 | 91.7 | 91.2 | 94.0 | 90.3 | 91.4 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.3B
Total Loans$2.1B
Total Equity$318.6M
Profitability
ROA0.92%
ROE8.17%
Efficiency Ratio63.72%
Net Income$24.7M
Risk & Asset Quality
NPL Ratio0.06%
Charge-off Rate0.01%
Loan/Deposit91.41%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans