Safest Banks in New Hampshire 2026
New Hampshire has 19 FDIC-insured banks with an average Bank Health Score of 68/100 (B). The safest bank is Profile Bank with a score of 92/100.
Data from FDIC Q2 2024
19 New Hampshire banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
New Hampshire's 19 FDIC-insured banks hold a combined $17.3B in assets. Their average Bank Health Score of 68/100 sits 2.0 points below the national average of 70/100. Across the state, 68% of banks earn an A or B grade for financial health, while 11% fall to a D or F.
The largest bank headquartered in New Hampshire is Mascoma Bank with $2.9B in assets and a Bank Health Score of 66/100. The strongest by score is Profile Bank in Rochester (92/100, Tier 1 capital 16.46%). The weakest is Claremont Savings Bank at 42/100, dragged down by an NPL ratio of 0.63%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in New Hampshire
Profile Bank
Rochester, NH
New Hampshire's top-rated bank, with a Tier 1 capital ratio of 16.46% — well above the federal "well-capitalized" threshold of 8%. Holds $302M in assets.
Woodsville Guaranty Sb
Woodsville, NH
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.20% with $670M in total assets.
First Seacoast Bank
Dover, NH
Third in the rankings on the Bank Health Score. Liquidity ratio of 25.13% and ROA of 0.46%.
Top 19 Banks in New Hampshire
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Profile Bank | Rochester | A | 92 | 16.46% | 0.00% |
| 2 | Woodsville Guaranty Sb | Woodsville | A | 87 | 15.45% | 0.20% |
| 3 | First Seacoast Bank | Dover | A | 87 | 14.51% | 0.03% |
| 4 | Northway Bank | Berlin | A | 84 | 14.75% | 0.38% |
| 5 | Franklin Savings Bank | Franklin | A | 82 | 13.67% | 0.01% |
| 6 | Primary Bank | Bedford | A | 82 | 14.65% | 0.36% |
| 7 | Bank of New Hampshire | Laconia | B | 74 | 13.42% | 0.05% |
| 8 | Savings Bank of Walpole | Walpole | B | 71 | 12.25% | 0.33% |
| 9 | Salem Coop Bank | Salem | B | 70 | 19.49% | 0.23% |
| 10 | Meredith Village Sb | Meredith | B | 66 | 13.45% | 0.35% |
| 11 | Mascoma Bank | Lebanon | B | 66 | 11.48% | 0.05% |
| 12 | Bank of New England | Salem | B | 66 | 16.10% | 2.34% |
| 13 | Fidelity Personal Tr Co FSB | Merrimack | B | 65 | 0.00% | 0.00% |
| 14 | Merrimack County Sb | Concord | C | 63 | 12.11% | 0.79% |
| 15 | Piscataqua Savings Bank | Portsmouth | C | 53 | 0.00% | 0.52% |
| 16 | Sugar River Bank | Newport | C | 52 | 0.00% | 0.23% |
| 17 | Walden Mutual Bank | Concord | C | 51 | 0.00% | 0.63% |
| 18 | Millyard Bank | Nashua | D | 48 | 0.00% | 0.00% |
| 19 | Claremont Savings Bank | Claremont | D | 42 | 0.00% | 0.63% |
Bank Health Scores for New Hampshire are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Profile Bank in Rochester is currently the safest bank in New Hampshire with a score of 92/100 (Grade A). It posts a Tier 1 capital ratio of 16.46% and a nonperforming loan ratio of 0.00%.
New Hampshire has 19 FDIC-insured banks with a combined $17.3B in total assets. The average Bank Health Score across the state is 68/100 (Grade B).
New Hampshire's average Bank Health Score of 68/100 is 2.0 points below the national average of 70/100. 68% of banks in New Hampshire earn an A or B grade, compared with the national average grade of B.
Of 19 FDIC-insured banks headquartered in New Hampshire, 6 earn an A, 7 a B, 4 a C, 2 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).