Hampshire First Bank

Headquarters

80 Canal Street
Manchester, NH 03101
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Hampshire First Bank is an FDIC insured institution located in Manchester, NH. It was founded in 2006 and has approximately $0.27 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58394
Date Established 2006
Assets $ 271.78 million
Loans $ 223.53 million
Deposits $ 222.77 million
Capital $ 29.80 million
 

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

Deposit Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Hampshire First Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Hampshire First Bank
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Branches

Hampshire First Bank 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:
Fairfield,Connecticut


Hampshire First Bank Locations


Financial Details

Hampshire First Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hampshire First Bank. 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
Hampshire First Bank U.S. Bank Average
13.43% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Hampshire First Bank had $4,185,000 in non-current loans and $257,000 in owned real estate. To cover these potential losses it had $29,801,000 in equity and $3,268,000 in loans loss reserves. That gives it a Texas Ratio of 13.43%.

Return on Equity
Hampshire First Bank U.S. Bank Average
8.29% 7.80%

Hampshire First Bank has a Return on Equity of 8.29% versus the BestCashCow average of 7.80%. 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
Hampshire First Bank U.S. Bank Average
10.96% 12.68%

Hampshire First Bank has a Capitalization of 10.96% versus the BestCashCow average of 12.68. 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.

Hampshire First Bank Balance Sheet Analysis

As of March 31, 2012, Hampshire First Bank had assets of $271,784,000, loans of $223,525,000, and deposits of $222,765,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 223.53 million
Loan loss allowance $ 3.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.26 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 222.77 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 271.78 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Hampshire First Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Hampshire First Bank’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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Hampshire First Bank

Branches and Savings

Is Hampshire First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58394.

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

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

Why are Hampshire First Bank CD rates not competitive?

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

Is Hampshire First Bank a commercial bank?

Yes

Where are Hampshire First Bank locations?

See branch locations nearby.

Is Hampshire First Bank open on Saturdays?

Is Hampshire First Bank open on Sundays?

What time does Hampshire First Bank open?

What time does Hampshire First Bank close?

Are Hampshire First Bank ATMs Open 24/7?

Do Hampshire First Bank ATMs accept cash deposits?

Can Hampshire First Bank customers use other ATMs?

Do Hampshire First Bank branches have notaries?

Will Hampshire First Bank notarize my document?

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

Will the Hampshire First Bank branch print checks?

Do Hampshire First Bank checks expire?

Does Hampshire First Bank require US citizenship to open account?

Can Hampshire First Bank close my account?

Does Hampshire First Bank Report to credit bureaus?

Does Hampshire First Bank Use Equifax?

What is Hampshire First Bank's ACH Routing Number?

What is Hampshire First Bank's SWIFT code?

Products

Does Hampshire First Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Hampshire First Bank offer personal loans?

Compare personal loan rates here.

Does Hampshire First Bank offer student loans?

Will Hampshire First Bank cash a check?

Will Hampshire First Bank redeem a savings bond?

Does Hampshire First Bank cash savings bonds?

Will Hampshire First Bank cash money orders?

Can Hampshire First Bank issue a money order?

Does Hampshire First Bank do currency exchange?

Background on The Bank

Who owns Hampshire First Bank?

How long has Hampshire First Bank been around?

Can Hampshire First Bank transfer to other banks?

Does Hampshire First Bank have quick pay?

Does Hampshire First Bank accept rolled coins?

Will Hampshire First Bank accept loose change?

Where is Hampshire First Bank headquarters?

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