# PISCATAQUA SAVINGS BANK
PORTSMOUTH, NH · FDIC certificate 17443 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $373.4M | |
| Deposits | $298.1M | |
| Loans and leases | $198.0M | |
| Total equity | $41.3M | |
| Loans / deposits | 65.97% (p19 of band) | 82.04% |
| Liquid assets / assets | 39.04% (p81 of band) | |
| Uninsured deposits / deposits | 19.77% (p28 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.84% (p74 of band) | |
| FHLB advances / assets | 8.84% | |
| Tier 1 leverage | 13.67% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -24.24% (p17 of band) | -8.10% |
| AOCI / equity | -2.68% (p4 of band) | |
| ROA (annualized) | 0.38% (p9 of band) | 1.28% |
| Net interest margin | 1.72% (p1 of band) | 3.91% |
| Efficiency ratio | 83.02% (p91 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 1.69% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | NIM <2.5% |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | NIM <2.5% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | expense ratio p90 |
| 2021-06 | 3 | expense ratio p90 |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | capital falling, expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | deposits shrinking, assets shrinking |  |
| 2024-03 | 6 | losing money |  |
| 2024-06 | 5 |  | assets shrinking |
| 2024-09 | 5 | capital falling | securities losses >30% of equity |
| 2024-12 | 5 | securities losses >30% of equity | deposits shrinking |
| 2025-03 | 4 |  | securities losses >30% of equity |
| 2025-06 | 5 | uninsured deposits leaving |  |
| 2025-09 | 4 |  | uninsured deposits leaving |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | expense ratio p90, losing money |
| 2026-06 | 2 | expense ratio p90 | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-20 [Rob Gagnon named SVP at Piscataqua Savings Bank - Seacoastonline.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNdTRDYUpaTUxRcENKR0FUWnRXQWdLc3VWQ3VZcjZDdXBDZmdVWVNiRXIzRUlRbFM2MDVsYmlEa2V4VWVXS25pTktRMm53Y1AwSjlnMmtHbE1nazFWNHI4TWpSSUprWWlNQmdueHl0RzVuOU9Sa1Ywa25yQ1pPUVFadWtXdHhyd2N1ekpfOHhkbThKUDZNS2FEYW1SUHdIMEEtRlYwTmRFZjNmZXhHMnoxWDhOZzVsdGZaMGw4TF9KZnQ1Tk9CUGlaNDA3cFBZQVJ2aWU3NlI5cE5uMWJh?oc=5) · Seacoastonline.com
- 2025-07-07 [New Leaders You Should Know: Benjamin S. Wheeler - Business NH Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxQWmdIWkw5eC1aX1hnMmI2WTVxZWFFV2FDUXB3VHRXOXo1cy1kUG1FR2RZMUdIT0p6Q2VJakdVbElvbG9fcmdqQW84QXBIVkhRdEJiY0NIVDNYaEh0eDhhMjNPQl9OUmJUYUVKU1NJYjJUcDdqRDd5RkRiNUk2TXBMRGVuVGp4X3JYTThoTV85aHY3bXc?oc=5) · Business NH Magazine
- 2025-02-08 [Creating a Racially Just Community - City of Portsmouth, NH (.gov)](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBBaWNlMjE3VXhIdW9WN0VTbzQ0SFBQRnZRTG9SWnJ5d25mT0wxUUQ4QUxuSlZtWmtCMXFGc1B4V1RaYmJMajE0NERidWtUYVJCbE5ab3IxbGVmRW9CVkptdw?oc=5) · City of Portsmouth, NH (.gov)
- 2018-08-03 [How many are too many banks? - nhbr.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA4eVU4WDdZNnFBejF6a29QMmNBa2xYOXh3N0dRMHQ5OXVabE95YnE0WVhpSHN0dVd2WXhPMk5OZzJCV25mQTVwQm5hZ3ctVkZZZklBaE5ITG5MZnhMZXc?oc=5) · nhbr.com
- 2013-01-17 [Fredette joins Piscataqua Savings Bank as Trust Investment Officer - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMiowFBVV95cUxObF9LWVctd3RLSjFiMGJ6N3NrVmZvb1lWUWhsdmoxSUtKanZzRFhnWUI5bUxTOTMwb091Y2xlTUxzOWJlNkExZHlDd08wY3hvc3FUR0FreWhwMXdDWmJJRWpjdzNoSzhQdGFlb2VtYkhUSmdvTHY0eENpYzBZRi1DQVFVVHFVbHlyaFp2RzJHaGVMaFpHeFVLV1VkUzNtdXEySUpR?oc=5) · Foster's Daily Democrat
- 2025-11-04 [Piscataqua Savings installs Portsmouth’s first Level 3 Fast EV Charger - Seacoastonline.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNdEJqZmE2SXZ5VU0yLUJSV2ZLTDhwWHZLSDd3a1k5RmEzYjdxeGdGa3FlbmRoV1Y1cU0zaVRQN1dPY1lGWFJzOHphR1lEQnNfUFAxbFVjVW0zS0Q5NENHdUEyZGZ4Rzl0SlVPb1laMV90b3VWejE1bkZrdXEzU3BPWXA0ZFZOYVhvN1VkMUpmRkJ1UVhsOGhVTUhudGxONllnRlJfdjVlSWxfTnBaa1U4aXQtdXZjYVUxLTFhMWRmOFZXZFh0SWhZNjNMZHN1UV9DekJnUVJB?oc=5) · Seacoastonline.com
- 2016-04-25 [Bank Announces New Roles in the Loan Department - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUGJUbWtKcEF5UEZsTS14SG9OcnZFVVJIS0FGZF9DMVo5Z01VX0d0aGNlWG1ZcTJaM0hKTFFNdzVjYTNGU1IyVTBEMzczTUdEc0Y5ZUQ5QnpvcWFMV3hkRzE2YlRUUWlPWkpCWjJKaS1VQkVuUUU2NEV3QkJSNHd3ekwxUml0Mm53eVM3WUllUQ?oc=5) · Patch
- 2018-02-01 [What’s happening to community banks? - nhbr.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBKMEp4NVJIQnZQTnFoVFdCQnhDb3dQbGI3Z1oxZWZPdk1obndJOVJVQ0RhUnFQQVNONXdNN0xCeWZ6SzZLdmRobGxkUUpxT1ByRVp2S3VZdTFjZklieEtpM3hyeHhXTG8?oc=5) · nhbr.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17443 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "17443", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide