# BANK OF NEW HAMPSHIRE
LACONIA, NH · FDIC certificate 18012 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $2.80B | |
| Deposits | $2.40B | |
| Loans and leases | $2.23B | |
| Total equity | $339.3M | |
| Loans / deposits | 91.78% (p65 of band) | 87.10% |
| Liquid assets / assets | 16.40% (p29 of band) | |
| Uninsured deposits / deposits | 18.99% (p16 of band) | 30.76% |
| Brokered deposits | 6.23% | |
| Wholesale funding | 7.70% (p56 of band) | |
| FHLB advances / assets | 0.14% | |
| Tier 1 leverage | 12.08% (p77 of band) | 10.50% |
| Unrealized securities loss / equity | -8.45% (p47 of band) | -7.75% |
| AOCI / equity | -0.20% (p58 of band) | |
| ROA (annualized) | 0.99% (p30 of band) | 1.26% |
| Net interest margin | 3.33% (p28 of band) | 3.70% |
| Efficiency ratio | 57.84% (p45 of band) | |
| Noncurrent loans | 0.63% (p59 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 210.27% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 44.67% (p47 of band) | |
| Auto loans | $32,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 249 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | uninsured deposits leaving |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | expense ratio p90 |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | capital falling | charge-offs p90 |
| 2016-12 | 2 | wholesale funding >15% | capital falling |
| 2017-03 | 3 | brokered >10% |  |
| 2017-06 | 2 |  | brokered >10% |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | expense ratio p90, capital falling |
| 2018-06 | 1 | loans exceed deposits | wholesale funding >15% |
| 2018-09 | 3 | wholesale funding >15%, capital falling |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2019-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 1 |  | wholesale funding >15% |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-09 [Bank of New Hampshire donates $50,000 to Boys & Girls Clubs of Central and Northern NH - The Laconia Daily Sun](https://news.google.com/rss/articles/CBMigAJBVV95cUxNWHBZWWtHZUhTcnpYN2liYnZDckZ4ZFJpNGhRZkVPd2NWeUlWa1k3X3JucFFlVm5RTUh1aDNIT0NkS2Z3c0l2UkhJNVZKRUIxQnU3UVU5d21FNnc3QnMxRXdOb2lFaXRVQjJ4MTEtazZkcUd6bkhwNGdOZE56VTNOTlN3MmhSM2NuT3ZTSEw0VXVoNjk2WWN5U1J1R000QWp4cVJjaXJ4M1QwZWFIcGhqbEdSSFl5WkNiNzZNdzhMckJGRDJsc2pVWXJrTG9yN2QtQTFhNGFsSTVqSUtzei1vQWhuWVVuNDlhbDFlZkJoclN0QTRNaUxrbzZXc2FjY3pC?oc=5) · The Laconia Daily Sun
- 2026-06-22 [NH Becoming a Magnet for Out-of-State Banks - Business NH Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTERFVnpjQUF4T3duRjBfcDc3bkxYa0tUejhCM2JlOEVkWEpkSHhNOTdqZVhzM2VuUFZSakxKQXZkZldDOTBfV1hjai1DOVotbUxoY0VfdzRkMzFWSjIwQ3FDOVJDQU1GZ2FxS0ZVWW1GSTZ5UFZ4M0I2bXFCTmRicjdRSDdhRUN0Q25mVmFLSQ?oc=5) · Business NH Magazine
- 2026-05-24 [Mass. Migration Aiding Bank Movement to New Hampshire - Banker & Tradesman](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQVBXd1pVMUFJamkyTW0wQWsyUFh2dlJHQnZlT0VXcXI0UzNwb25DV3VxaTdHNTZQa01XNWY3bWFHWWotWmJhMk9ESjYxNllNTkEzQnJCejdLODhiRkdweWlDcmVwa3RHcHY3MTBXclNieUdQNmNWTVhTUDZKdmtXQ0xKS09OM2QwbGRiVA?oc=5) · Banker & Tradesman
- 2025-10-20 [Q&A with Bank of New Hampshire’s Robert Magan - nhbr.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5Pb3lEbUMzeGRUWWdoSVJZY3dsZ1RjX3FCc21Rc3hEMFRxZmM4N0ZqV1Bzb1VBTWJoVWhmNWRibmRYWGVUTTFKd2ZnVlpHaGZSOTJFUzdUQldXbVE1dzhpZEhCQlBmbnAwNDVkTldoT3NvbUk?oc=5) · nhbr.com
- 2026-05-08 [One of NH’s Seacoast Banks Is Merging With a Massachusetts Bank - WOKQ](https://news.google.com/rss/articles/CBMicEFVX3lxTE0yblR5UjRsZjZ0YUIyYVRrQkpISTktMjduLVo2SjhnMG1JNWt6WWNwcjd5SEx3eTdzX09BV2Z5bGczMXh4SVE2d2lpNnNNY1VzUXFkUWo4NElsaEZ3a2JnUTNGc1FZY2VSMmpjdTVTeU4?oc=5) · WOKQ
- 2026-06-10 [Best of NH 2026 Shops & Services - New Hampshire Magazine](https://news.google.com/rss/articles/CBMiakFVX3lxTE1TVTB4WVQ4WjJuaGJOZGJPb09peU05dTYwSGEwRmIwT040aVl4djRFS1RmMzdiUzNyZldWYmFNM2RVX3oxVkkxWmsyN3l1M0w4WUI0ZjNwdHROX214WlVhYlV3aHRoTXFhbGc?oc=5) · New Hampshire Magazine
- 2026-02-10 [Bank Of New Hampshire Announces 4 Officer Promotions In Laconia - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQLUlQcGhQY0IyLWMwVmRLeEVabktGdDBOYWxRcm5VY1lvWlRCcGZrbDVzemkyTkJJSTdGdkJfY21PcVJhdkVQVmYzeFEyLWgxX0lNVU1kOWpZSjF1OXh1X2trUnE4X211enRvT3UzWG0tN0VNYTd1eGtGSTE4ajZoMDcybWpEOHp6b0JZYUUxbXFobmxZcTdWa3Rkamd0Uy0t?oc=5) · Patch
- 2026-01-31 [Luke Bryan tickets on sale in Gilford at Bank of NH Pavilion - TicketNews](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNzNlb2o4ZlVmcUxYRlEweXZqVHc2U2F0VjdfTFpLdkQzbWlMNnlTRmN4N3dyQmZjREc4NTc2aDdZdmlwRzRpeWtqSXRld0VJbmY0QlB1Nm5YM1JtQ3FGbWIzTFlHZEJDcmVqWmZkd1hsbFJ5TXl3ZEozdXd0cnR5emlpbmlzQ2RockFYdVlIeFViQTNUUVVtc3hoUjA?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18012 (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/28.json (key "18012", 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