# NASHUA BANK
NASHUA, NH · FDIC certificate 58627 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $121.3M | |
| Deposits | $101.6M | |
| Loans and leases | $85.6M | |
| Total equity | $16.6M | |
| Loans / deposits | 83.12% (p77 of band) | 69.20% |
| Liquid assets / assets | 28.73% (p36 of band) | |
| Uninsured deposits / deposits | 15.56% (p81 of band) | 8.50% |
| Brokered deposits | 4.38% | |
| Wholesale funding | 6.44% (p74 of band) | |
| FHLB advances / assets | 2.06% | |
| Tier 1 leverage | 13.25% (p82 of band) | 10.13% |
| Unrealized securities loss / equity | 7.32% (p71 of band) | 3.81% |
| AOCI / equity | 0.63% (p59 of band) | |
| ROA (annualized) | 0.23% (p18 of band) | 0.80% |
| Net interest margin | 3.94% (p60 of band) | 3.77% |
| Efficiency ratio | 87.49% (p79 of band) | |
| Noncurrent loans | 1.70% (p58 of band) | 1.27% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 77.92% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 23.38% (p61 of band) | |
| Auto loans | $59,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |

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

- 2026-07-10 [FBI arrests man accused of armed robbery of Nashua bank - New Hampshire Public Radio](https://news.google.com/rss/articles/CBMipAFBVV95cUxObXdzZTFTZUUydjVDQ0M0NTB4U0h0cmQ4djV1QlBvMW55OEt0Q096QmRaZ21qS1VHbWJucV9WQ2ZTVXdHVjc5dTJGdVkzSHVyN0pqNUZnWWhNanM4VjVsVE14NGwwZVN1aXhXZDhSRzNPektmV19oRUNhcGdZZUcweGowa3NZdkhOT0pWN2xMVjlXRnhCRHJUZTZzQVZsU1VORnBzUQ?oc=5) · New Hampshire Public Radio
- 2026-06-15 [Police seek help identifying masked suspect in New Hampshire bank robbery - boston25news.com](https://news.google.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?oc=5) · boston25news.com
- 2026-07-10 [Massachusetts man arrested in connection with Nashua bank robbery in June - WMUR](https://news.google.com/rss/articles/CBMisAFBVV95cUxPVFpIUnhwOGRocUpJWFpTUTQ2QmM3MTZMdzZwQjZqZHFhU19yMEI5cDlqX2FkaHRWWUt4NHd6S3JOVkx1NWRNemt3SFQ2aDkxRjB3ZEdPeTFOQ1ItcXNQQ3psTDJIRHl4cFN4S3JLRUFLRWRiZ3FlRHRkdmcwM0ZhWmJaNnZxOEpPR0lBT2piTUlKUFNlYTgzai1QQ1FKdS1sNVpuVE5sY1ZES1ZQREFUNg?oc=5) · WMUR
- 2026-07-10 [Townsend man arrested in connection with two armed robberies in New Hampshire and New Jersey, authorities say - The Boston Globe](https://news.google.com/rss/articles/CBMihgFBVV95cUxQWU1FS21aYThrWEdvNTI5WHFJUHU3bG1QY1Q4ZlpjTHhQQmpjakdTRXVFNzd3Z3U2RFdtcHFTV0FucVhILWt0MHBnMG1DWG9EeE5wMzVVMkxYN1hBVmdVOXNrakhNaWt4MWxmclItUmhVT2UwQm5PTG9fR00wMkliZ2poWUR2dw?oc=5) · The Boston Globe
- 2026-07-15 [Federal charge for Mass. man accused of robbing Nashua bank in suit and tie - WMUR](https://news.google.com/rss/articles/CBMiekFVX3lxTE1fdUFrNzVaelp5bkIyd055Z3k3bDc5aXFlVlIwMUNBbzRTemVpdTVPSjBtRGE0eGR6ZkVJandNTmhudjZ1dzJFM0o2RldDWEMzUkpra2xuTllGMDBxS3BjVV9kZDJQM3VKcWJOb2dpUm9JRGtER1MtMG1R?oc=5) · WMUR
- 2026-08-06 [Officials: Man indicted after allegedly robbing Nashua bank - WMUR](https://news.google.com/rss/articles/CBMid0FVX3lxTE9kZ3BLemtha3VpU0g3VG5MNVMybEZvbVpGNnRzeDZndmhVWklEVE5OdFpqcGJwMGR5UExkVUxZRXNtcWtjZEdVQ2g4VzRmR0tOWHIyRVZzRl9RYkstZHZ6Ty1GUGJMalJsd3Y1MHBLZWt5N3VvYllJ?oc=5) · WMUR
- 2019-10-11 [A new homegrown bank takes root in the Gate City - nhbr.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE8wVXQ1Z2FIeTZHOXRXUHFPRGRybEo5T25jamw1b1FUVy1jalE3X0tGb2t1Y0JSZ0pvUk00d0swc1pEeWlMV1lRVEZTOEU0YlJLbkRBbnEtVGpkQ1h1V0FLc2tfZk5RXzNjX0pUVHdNVWxYeWQ4VUJvSkJR?oc=5) · nhbr.com
- 2012-08-06 [The Nashua Bank Acquired - Patch](https://news.google.com/rss/articles/CBMicEFVX3lxTFBhZjJGYllsM1Q1TklhTzdib1NseW1HTGluSlR3cGNVMzdGczltd3l4MFJyVFpGSEU4bXgxc1dlUmRFUDlYNmVhcUpUeUhfVXVJcWV0ZWZnYnktOFdFUW02OW9OQTlfOUppS1BLOUtaMVI?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58627 (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/3.json (key "58627", 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