Bank of New Hampshire
Laconia, New Hampshire, Belknap County
$2.8B in total assets, the 471st largest of 4,309 US banks and 2nd of 17 headquartered in New Hampshire.
- FDIC certificate
- 18012
- Established
- 1831
- Owned by
- Bnh Financial
- Primary regulator
- FED
- Website
- www.BNH.bank
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.8B | 66% | $2.0B | |
| Loans | $2.2B | 71% | $1.4B | |
| Deposits | $2.4B | 68% | $1.7B | |
| Return on assets | 1.02% | 32% | 1.23% | |
| Net interest margin | 3.33% | 27% | 3.71% | |
| Efficiency ratio | 57.8% | 45% | 59.1% | |
| Equity to assets | 12.10% | 76% | 10.38% | |
| Loans to deposits | 93% | 65% | 88% |
Growth
Total assets grew 5.2% a year over the last 5 years and 7.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2016 | Community Guaranty Savings Bank Plymouth, NH | $109M |
| Oct 2005 | Village Bank & Trust Company Gilford, NH | $77M |
| Jul 1994 | HomeBank Federal Savings Association Gilford, NH | $45M |
Where they operate
21 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Belknap County, NH | $923M | 34.5% | 1 of 7 |
| Merrimack County, NH | $308M | 5.3% | 7 of 17 |
| Carroll County, NH | $308M | 16.4% | 4 of 9 |
| Grafton County, NH | $298M | 7.4% | 6 of 13 |
| Hillsborough County, NH | $275M | 1.8% | 11 of 24 |
| Strafford County, NH | $176M | 6.9% | 6 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (22 to 21, −4.5%). 5 opened, 2 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 22 | |||
| 2016 | Acquired Community Guaranty Savings BankOpened Portsmouth | 3 | 0 | +3 | 25 |
| 2018 | Opened Concord | 1 | 0 | +1 | 26 |
| 2019 | Opened Concord | 2 | 0 | +2 | 28 |
| 2020 | Closed 4 in New Hampshire | 0 | 4 | −4 | 24 |
| 2021 | Opened BedfordClosed Bedford | 1 | 1 | 0 | 24 |
| 2025 | Closed 3 in New Hampshire | 0 | 3 | −3 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 56% | 32% | |
| 1-4 family residential | 23% | 25% | |
| Multifamily | 10% | 8% | |
| Construction and land | 7% | 8% | |
| Business (C&I) | 3% | 14% | |
| Consumer | 1% | 4% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 52% | |
| Time deposits | 21% | 27% | |
| Noninterest-bearing | 19% | 21% |
Brokered deposits are 7.3% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.63% | 0.51% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 1.33% | 1.15% |
| Leverage ratio | 12.08% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New Hampshire
Largest competitors in Belknap County, NH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/new-hampshire