Monadnock Community Bank


1 Jaffrey Rd
Peterborough, NH 03458
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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

Monadnock Community Bank is an FDIC insured institution located in Peterborough, NH. It was founded in 1996 and has approximately $0 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34167
Date Established 1996
Assets $ 0.20 million
Loans N.A.
Deposits N.A.
Capital $ 0.11 million

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

Deposit Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Monadnock Community 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
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Monadnock Community Bank
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Financial Details

Monadnock Community Bank Ratio Analysis

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

Texas Ratio
Monadnock Community Bank U.S. Bank Average
0% 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, Monadnock Community Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $107,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Monadnock Community Bank U.S. Bank Average
-254.78% 7.80%

Monadnock Community Bank has a Return on Equity of -254.78% 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.

Monadnock Community Bank U.S. Bank Average
53.5% 12.68%

Monadnock Community Bank has a Capitalization of 53.5% 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.

Monadnock Community Bank Balance Sheet Analysis

As of March 31, 2013, Monadnock Community Bank had assets of $200,000, loans of $0, and deposits of $0. 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
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 N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits N.A.
      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 $ 0.20 million

Summary Income Statement

March 31, 2020
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 Monadnock Community Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Monadnock Community 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Monadnock Community Bank

Branches and Savings

Is Monadnock Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34167.

Why does Monadnock Community Bank pay such low interest on savings accounts?

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

Why are Monadnock Community Bank CD rates not competitive?

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

Is Monadnock Community Bank a commercial bank?


Where are Monadnock Community Bank locations?

See branch locations nearby.

Is Monadnock Community Bank open on Saturdays?

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What time does Monadnock Community Bank open?

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Are Monadnock Community Bank ATMs Open 24/7?

Do Monadnock Community Bank ATMs accept cash deposits?

Can Monadnock Community Bank customers use other ATMs?

Do Monadnock Community Bank branches have notaries?

Will Monadnock Community Bank notarize my document?

What address for Monadnock Community Bank should I put for incoming ACH transfers?

Will the Monadnock Community Bank branch print checks?

Do Monadnock Community Bank checks expire?

Does Monadnock Community Bank require US citizenship to open account?

Can Monadnock Community Bank close my account?

Does Monadnock Community Bank Report to credit bureaus?

Does Monadnock Community Bank Use Equifax?

What is Monadnock Community Bank's ACH Routing Number?

What is Monadnock Community Bank's SWIFT code?


Does Monadnock Community Bank offer mortgages?

Compare mortgage rates here.

Does Monadnock Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Monadnock Community Bank offer personal loans?

Compare personal loan rates here.

Does Monadnock Community Bank offer student loans?

Will Monadnock Community Bank cash a check?

Will Monadnock Community Bank redeem a savings bond?

Does Monadnock Community Bank cash savings bonds?

Will Monadnock Community Bank cash money orders?

Can Monadnock Community Bank issue a money order?

Does Monadnock Community Bank do currency exchange?

Background on The Bank

Who owns Monadnock Community Bank?

How long has Monadnock Community Bank been around?

Can Monadnock Community Bank transfer to other banks?

Does Monadnock Community Bank have quick pay?

Does Monadnock Community Bank accept rolled coins?

Will Monadnock Community Bank accept loose change?

Where is Monadnock Community Bank headquarters?

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