# HAMPSHIRE FIRST BANK
MANCHESTER, NH · FDIC certificate 58394 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $271.8M | |
| Deposits | $222.8M | |
| Loans and leases | $226.8M | |
| Total equity | $29.8M | |
| Loans / deposits | 100.34% (p96 of band) | 67.95% |
| Liquid assets / assets | 15.14% (p7 of band) | |
| Uninsured deposits / deposits | 5.86% (p35 of band) | 8.38% |
| Brokered deposits | 17.83% | |
| Wholesale funding | 24.12% (p98 of band) | |
| FHLB advances / assets | 6.16% | |
| Tier 1 leverage | 10.84% (p63 of band) | 9.95% |
| Unrealized securities loss / equity | 2.06% (p43 of band) | 2.77% |
| AOCI / equity | -0.04% (p46 of band) | |
| ROA (annualized) | 0.90% (p57 of band) | 0.78% |
| Net interest margin | 3.63% (p42 of band) | 3.77% |
| Efficiency ratio | 58.17% (p17 of band) | |
| Noncurrent loans | 1.85% (p58 of band) | 1.40% |
| Net charge-offs (annualized) | 0.01% (p47 of band) | |
| Reserve coverage of noncurrent | 78.09% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 45.72% (p77 of band) | |
| Auto loans | $24,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  | loans exceed deposits |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 5 | loans exceed deposits |  |
| 2012-03 | 4 |  | capital falling |

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

- 2013-09-13 [Hampshire First Bank rebranded as NBT - Seacoastonline.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPLWVaZUtXTHNrU0Y4NUg2eTVFTHhqVnBBdGlQOEMtZGFVWC1ZckJwY1h5QkY4XzhkdGdyMm9relA0RnBSUnB2MU1tZjlpeWYxZzZrQ05scENVTE92SUQxeTRmN25vM2pLeDJyZ3dUekJBMkpjNV9xaE1GcThlbmg4UEV4eEpIUDY0aXNzMGE2NG5jX3lxVnR3V1lMNm5uMWxDYUFUdEl4X2xLOHl5OUtIODlzUXNFbmVJX1lFU2pSZ0E?oc=5) · Seacoastonline.com
- 2013-04-19 [Hampshire First Bank helps local small businesses grow - NH Business Review](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVmQ2MVRZcHVEM0ZIVmRsM0liamx4YXdiOUpxZEhaZVNjckt4M3J5WC1uU242MVVMbXV3LWR0b0UyRVN3a1JSWHlIUlNiWmxDUTh3dWpra2hEQnhtVzBENlNNdk5kSzhIbG55RTg5RjNiUnBfSGFuTTA2Y0lVNEZTVktR?oc=5) · NH Business Review
- 2009-12-23 [Hampshire First Bank opens Portsmouth office - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMiogFBVV95cUxNaXo5eS1ua0JBcEJnNU9LbWFrUm1KenY3VXc3NmpPTjZCQmJlVW9RNnROQjVxNF96djhXWE9EX25sMHlzMjF2QkY5b2E3cHRWTjU2YjJsWXVCbHp3RFFVZVRhT2tMdzlZRlpaMUM4OFNTeVNBWFFjRUFCOVdBNXFkcGkzMW1iU25aYzBjZG9wU3VDZDhQU25KdnhMdy15SUtBOGc?oc=5) · Foster's Daily Democrat
- 2015-06-19 [Primary Bank Readies to Open Doors - businessnhmagazine.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZ05UakZXQ21vbUR0WDJXNTRzb0FKS3hWWkpHYzcwZlhZanIyWGtRLUdJNWZaUmZWbUp0djZBTEFQcUxJUXhaLWtJMFFCMEE1LWZBejV4MXh1aElMWHlRbVlISU1UQV82TkYtZl9qU2tvTWVMWTNwVUV4cGVqa3U0OW9fNA?oc=5) · businessnhmagazine.com
- 2018-05-10 [NBT Bank promotes Quintin - Vermont Business Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5BcE5OY3F2UE9UYWdZUU9abWpGb0VIcmhKZUFkWjloOTBPMXVac3liMlp5TVdVaHJJbUNYeFFQOFA0SHQ2TW8wYnlaM19sN04zSy0xdnAzZEJtcDY3Y0lmc2pmUHA2Q1hrRnVKSw?oc=5) · Vermont Business Magazine
- 2014-12-15 [New Hampshire Businessman Files to Set Up Rare New Bank - wsj.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZWRQY0lCWXBkU2Fma1lFOEY1WTJ2Z1gwRS14V2ZJQjZKalFqclp2dFFjb3JXTTBuNWJCUk9yRjUtR1FQcDdWblljMnFUaEU4SVl4Q2tORTRCTDZLS2ZLVmpUelgzODJKMEtVYWZlemc5RDFwSGRwc1BjQTJPN0FCcnh1d0NtLVBtY0ZHWHZpQXdWdGhURFRIcjNiUQ?oc=5) · wsj.com
- 2018-02-01 [What’s happening to community banks? - NH Business Review](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBKMEp4NVJIQnZQTnFoVFdCQnhDb3dQbGI3Z1oxZWZPdk1obndJOVJVQ0RhUnFQQVNONXdNN0xCeWZ6SzZLdmRobGxkUUpxT1ByRVp2S3VZdTFjZklieEtpM3hyeHhXTG8?oc=5) · NH Business Review
- 2010-07-13 [“Burly Bandit” Believed Responsible for at Least 10 Robberies in Four States Reward Offered - fbi.gov](https://news.google.com/rss/articles/CBMia0FVX3lxTE9wdHc3N29iNmtoTWY1cHRxQU1YcmhPLU1SYk1hWFBOX3hkNEVpTU1WdzEtZ05DMTVNT3RvRW9Nb2puaVNFRXNsbnhnRkxhYjVBRExhSUFUOTJhZmoyS0xIQnlZaEdvaHREVWFr?oc=5) · fbi.gov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58394 (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/26.json (key "58394", 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