Bank of New Hampshire

62 Pleasant Street
Laconia, NH 03246

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18012
Date Established 1831
Assets $1.63 billion
Loans $1.31 billion
Deposits $1.31 billion
Capital $0.17 billion

Bank of New Hampshire is an FDIC insured institution located in Laconia, NH. It was founded in 1831 and has approximately $1.63 billion in assets. Customers can open an account at one of its 26 branches.

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

Deposit Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.03% $1,000 $24,999 Learn MoreShow Less
Money Market
0.05% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.10% $500 - Learn MoreShow Less
Special: 12 Mo CD
1.51% $500 - Learn MoreShow Less
12 Mo CD
0.20% $500 - Learn MoreShow Less
24 Mo CD
0.35% $500 - Learn MoreShow Less
36 Mo CD
0.50% $500 - Learn MoreShow Less
48 Mo CD
0.75% $500 - Learn MoreShow Less
60 Mo CD
1.00% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.20% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $1,000 - Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 4.08% 4.08% $738.99
4 Year 4.08% 4.08% $565.37
5 Year 4.08% 4.08% $461.32
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bank of New Hampshire branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of New Hampshire Locations


Financial Details

Bank of New Hampshire Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of New Hampshire. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of New Hampshire U.S. Bank Average
3.49% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Bank of New Hampshire had $6,312,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $169,320,000 in equity and $11,778,000 in loans loss reserves. That gives it a Texas Ratio of 3.49%.

Return on Equity
Bank of New Hampshire U.S. Bank Average
7.82% 9.47%

Bank of New Hampshire has a Return on Equity of 7.82% versus the BestCashCow average of 9.47%. 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
Bank of New Hampshire U.S. Bank Average
10.42% 12.49%

Bank of New Hampshire has a Capitalization of 10.42% versus the BestCashCow average of 12.49. 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.

Bank of New Hampshire Balance Sheet Analysis

As of March 31, 2019, Bank of New Hampshire had assets of $1,625,540,000, loans of $1,310,396,000, and deposits of $1,314,055,000. 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.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.00 billion
Total securities $0.19 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.31 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.03 billion
All other assets $0.05 billion
     Total Assets $1.46 billion
LIABILITIES
Total deposits $1.31 billion
      Interest-bearing deposits $1.01 billion
      Deposits held in domestic offices $1.31 billion
      % insured (estimated) 87.34%
Federal funds purchased and repurchase agreements $0.03 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.09 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $1.46 billion
      Shareholders’ Equity $0.17 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of New Hampshire’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Bank of New Hampshire’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 42.51
Multifamily
Mortgages
4.18
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 7.78
Construction and Development Loans 4.00
Commercial Real Estate 37.96
Commercial and Industrial Loans 6.94
Farm Loans 0.00

Frequently Asked Questions About Bank Of New Hampshire

Branches and Savings

Is Bank Of New Hampshire FDIC insured?

Yes. It is covered under FDIC Certificate #18012.

Why does Bank Of New Hampshire pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of New Hampshire CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of New Hampshire a commercial bank?

Yes

Where are Bank Of New Hampshire locations?

See branch locations nearby.

Is Bank Of New Hampshire open on Saturdays?

Is Bank Of New Hampshire open on Sundays?

What time does Bank Of New Hampshire open?

What time does Bank Of New Hampshire close?

Are Bank Of New Hampshire ATMs Open 24/7?

Do Bank Of New Hampshire ATMs accept cash deposits?

Can Bank Of New Hampshire customers use other ATMs?

Do Bank Of New Hampshire branches have notaries?

Will Bank Of New Hampshire notarize my document?

What address for Bank Of New Hampshire should I put for incoming ACH transfers?

Will the Bank Of New Hampshire branch print checks?

Do Bank Of New Hampshire checks expire?

Does Bank Of New Hampshire require US citizenship to open account?

Can Bank Of New Hampshire close my account?

Does Bank Of New Hampshire Report to credit bureaus?

Does Bank Of New Hampshire Use Equifax?

What is Bank Of New Hampshire's ACH Routing Number?

What is Bank Of New Hampshire's SWIFT code?

Products

Does Bank Of New Hampshire offer mortgages?

Compare mortgage rates here.

Does Bank Of New Hampshire offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of New Hampshire offer personal loans?

Compare personal loan rates here.

Does Bank Of New Hampshire offer student loans?

Will Bank Of New Hampshire cash a check?

Will Bank Of New Hampshire redeem a savings bond?

Does Bank Of New Hampshire cash savings bonds?

Will Bank Of New Hampshire cash money orders?

Can Bank Of New Hampshire issue a money order?

Does Bank Of New Hampshire do currency exchange?

Background on The Bank

Who owns Bank Of New Hampshire?

How long has Bank Of New Hampshire been around?

Can Bank Of New Hampshire transfer to other banks?

Does Bank Of New Hampshire have quick pay?

Does Bank Of New Hampshire accept rolled coins?

Will Bank Of New Hampshire accept loose change?

Where is Bank Of New Hampshire headquarters?

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