# SUGAR RIVER BANK
NEWPORT, NH · FDIC certificate 18028 · asset band $300M-1B · 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 | $424.3M | |
| Deposits | $364.3M | |
| Loans and leases | $293.5M | |
| Total equity | $49.0M | |
| Loans / deposits | 80.05% (p45 of band) | 82.04% |
| Liquid assets / assets | 24.93% (p50 of band) | |
| Uninsured deposits / deposits | 18.17% (p23 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.18% (p36 of band) | |
| FHLB advances / assets | 1.18% | |
| Tier 1 leverage | 14.13% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -25.00% (p16 of band) | -8.10% |
| AOCI / equity | 0.50% (p92 of band) | |
| ROA (annualized) | 0.64% (p16 of band) | 1.28% |
| Net interest margin | 3.73% (p40 of band) | 3.91% |
| Efficiency ratio | 76.51% (p85 of band) | |
| Noncurrent loans | 0.33% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 187.12% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 27.08% (p33 of band) | |
| Auto loans | $66,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 74 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 | expense ratio p90 | capital falling |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | capital falling | expense ratio p90 |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | expense ratio p90, uninsured deposits leaving |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 | capital falling | charge-offs p90 |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | charge-offs p90 | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | charge-offs p90 |
| 2026-06 | 0 |  | capital falling |

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

- 2018-04-23 [Sugar River Bank announces Assistant Vice President promotions - Vermont Business Magazine](https://news.google.com/rss/articles/CBMingFBVV95cUxOZ1hUbm5qc0dlSGRhaFhrakxMNGs1U0R6OWkzeDU2M3ZFRk1XMWRZQlZldmQ1YXl4RXUwZXJmWk1SX2tyZktMMXI5OFR1TGlMdm9xbUExZHowTC1QeS03OGU0Y3dLOHJJcXU0dkR3eUdIZVRmZVppVTFEaEtLWVlteWhiMWE4aUQxeGFLWkNqRm1pRTl3TVl3aG5YNTkyUQ?oc=5) · Vermont Business Magazine
- 2015-02-09 [Lending Club, Small U.S. Banks Plan New Consumer-Loan Program - WSJ](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZ0NFVjM0WVJCZE8zSjh3M3VlTXMzY2J2UDNjMXJUSWMtd0hPalBKOEktQktQOC1ka0ZKWVI4NDhObTJZVU5JeEU2aTFkakhUMHZudXlCa1VpRDAzT1prYnZIcjREaEdTeEJwQUtvcXFVOFQ4SEI4M1RiaVBUX2VsLUNybW5xaGFZZEVjZzZ4MWhuTjM3dzdoU0kybFZtZ3U2?oc=5) · WSJ
- 2016-08-29 [The Buzz Online - Business NH Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE9aT0VQSzdsb24wTkhRMmlOUGVEUE9EWF9wZkxoOWdpTTdJQ2tnNWlNRFVMa1ZUdll4d2hqTVhzYU9NQU5Eemhnc0dRakpzOTBtRnJlYzAyWDJKX04zdVc4RFEwRW5MbXRyQ1E5eXZnNExHTFZr?oc=5) · Business NH Magazine
- 2018-07-01 [- Valley News - Valley News](https://news.google.com/rss/articles/CBMifkFVX3lxTE5RSTlTYzltQVc4ZEtKRFpzN0hoaEdVbVFfU2NpWER1bElFMWFxcVVRY2w4XzNhalpCNDdISHBzd1hqM1dGbHVRU0p3QW1JcFp5MjJfQVB0VGFxOTROYkR5Z0xXaFgtY3RiR1lFejFFZFV4eC1vTkhWX2FTcTBmUQ?oc=5) · Valley News
- 2018-04-22 [Sugar River Bank announces Board of Directors appointment - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYmMxcVpLMVVCbmNnc21uUzUtcUVTMjlsOF82R29YRkI2Y1U1X2dxT0pwTFVVc3FCZlVfdDlNN0c0aENRa3hUYmpqajhaRnktVmpibWloaV9sYkdMZzJ3OGRIUU4zdUhZaEJCa2M5NVdQSlNFZjloN0gzNUx4R0FLTmJndEpZNXd0bEJ1NTRCWnRGTDljci13NA?oc=5) · Vermont Business Magazine
- 2019-01-24 [Ex-NH Senate staffer named new NH Bankers Association president - nhbr.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQU1FnN1pEWUlxeHM0M2M5Rmg2UG5EcXhyWnlsNUlZb3NvZ2FGUzFzQ1E0bWRqYzFXX1ZpWmdFYk9tczg4eXFEUUFibEhnSmVfZ0t0RWtiUHJUT25RQ3FabnQ4RW02NU5iRmZRQy1ZeXB0cnB1QU5teDZZcGFSTlFBVF83bWZsVjkwQzU2djV3?oc=5) · nhbr.com
- 2024-03-12 [Homeless Manchester Man Arrested On Forgery, Evidence, Attempted Theft Charges In Concord - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONThLT0JtZHJWdzQzUFVxR0U2TzZTTFh2bi0xQWgyUkpHbmd3OVY0c3o3dmt5R1g3VzhsZ01lbDE2eGlxeXpBeWtFV3EteEdfQmFvQWJ2RjVld1R1UUVfRy0waG5FSUljbWtNSldvNEc1U21SRzlPanFJdjVhMUhIdG5yeWtJcG92M0NJR0UxeU9zaHdHQ0JJNUktcWZoQl9EVWFxRlg3eUk?oc=5) · Patch
- 2018-04-22 [Debra Davis Timberlake joins The Business Banking Center at Sugar River Bank - Vermont Business Magazine](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTmljNWlyRnhRXy1KT0JOTFF2QlJidUR4Z3o3azhTQU9WUElNNXpqbnp3Q2c2eG0wRUozZ1pZWDR3SjJSYUJja2pyOWFUZG5JczJQeVdlRXRUazY1Q2Zqckpqclk1NVRNU2JDN290ZjFvNHFuX0FzaVlHdUFxa0U0TVhQRlVEYmNWdzlhb2dTQ3E0MjJrclI5azBsUGt4cEhPNXBKaWVUbXNDUQ?oc=5) · Vermont Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18028 (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/44.json (key "18028", 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