Northway Bank

9 Main Street
Berlin, NH 3570

General Bank Information

FDIC Insured Yes

FDIC Certificate # 14240

Date Established 1934

Northway Bank is an FDIC insured institution located in Berlin, NH. It was founded in 1934 and has approximately $0.94 billion in assets. Customers can open an account via one of its 18 branches.

Northway Bank Financial Size

Assets $0.94 billion
Loans $0.62 billion
Deposits $0.76 billion
Capital $0.10 billion

For a more detailed analysis of Northway Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.06
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 10.93
Construction and Development Loans 4.79
Commercial Real Estate 41.99
Commercial and Industrial Loans 12.19
Farm Loans 0.00

The top three loan types in Northway Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in New Hampshire, Northway Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Your Current Location:
New York, NY 10007

CD Rates APY Min Max More
3 Mo CD 10K 0.05% $2,500 -
6 Mo CD 10K 0.05% $2,500 -
12 Mo CD 10K 0.45% $2,500 -
18 Mo CD 10K 0.45% $2,500 -
24 Mo CD 10K 0.45% $2,500 -
30 Mo CD 10K 0.55% $2,500 -
36 Mo CD 10K 0.55% $2,500 -
48 Mo CD 10K 0.70% $2,500 -
60 Mo CD 10K 1.65% $2,500 -
Savings Rates APY Min Max More
Savings 2.5K 0.10% $100 -
Fixed IRA Rates APY Min Max More
Fixed IRA 0K 0.45% $1,000 -
Variable IRA Rates APY Min Max More
Var IRA 0K 0.41% $25 -
MM Rates APY Min Max More
MM 2.5K 0.01% $1,000 $4,999
MM 10K 0.10% $5,000 $49,999
Int Checking Rates APY Min Max More
Int Ckg 0K 0.05% $1,000 -

Your Current Location:
New York, NY 10007

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Your Location:
New York,New York

Northway Bank Locations

Northway Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northway Bank. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Northway Bank U.S. Bank Average
Texas Ratio 13.78% 10.62%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of September 30, 2014, Northway Bank had $12,839,000 in non-current loans and $1,936,000 in owned real estate. To cover these potential losses it had $97,113,000 in equity and $10,105,000 in loans loss reserves. That gives it a Texas Ratio of 13.78%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity 7.45% 9.04%

Northway Bank has a Return on Equity of 7.45% versus the BestCashCow average of 9.04%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization 10.37% 11.20%

Northway Bank has a Capitalization of 10.37% versus the BestCashCow average of 11.20%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Northway Bank Balance Sheet Analysis

As of September 30, 2014, Northway Bank had assets of $936,203,000, loans of $621,137,000, and deposits of $758,467,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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