Safest Banks in New Hampshire 2026
New Hampshire has 19 FDIC-insured banks with an average Bank Health Score of 79/100 (B). The safest bank is Fidelity Personal Tr Co FSB with a score of 100/100.
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 79/100 sits 1.0 points in line with the national average of 80/100. Across the state, 95% of banks earn an A or B grade for financial health, while 0% 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 Fidelity Personal Tr Co FSB in Merrimack (100/100, Tier 1 capital 100.50%). The weakest is Merrimack County Sb at 63/100, dragged down by an NPL ratio of 0.79%.
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
Fidelity Personal Tr Co FSB
Merrimack, NH
New Hampshire's top-rated bank, with a Tier 1 capital ratio of 100.50% — well above the federal "well-capitalized" threshold of 8%. Holds $84M in assets.
Profile Bank
Rochester, NH
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $302M in total assets.
Piscataqua Savings Bank
Portsmouth, NH
Third in the rankings on the Bank Health Score. Liquidity ratio of 37.45% and ROA of -0.28%.
Top 19 Banks in New Hampshire
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Fidelity Personal Tr Co FSB | Merrimack | A | 100 | 100.50% | 0.00% |
| 2 | Profile Bank | Rochester | A | 92 | 16.46% | 0.00% |
| 3 | Piscataqua Savings Bank | Portsmouth | A | 87 | 14.56% | 0.52% |
| 4 | Woodsville Guaranty Sb | Woodsville | A | 87 | 15.45% | 0.20% |
| 5 | First Seacoast Bank | Dover | A | 87 | 14.51% | 0.03% |
| 6 | Walden Mutual Bank | Concord | A | 86 | 18.71% | 0.63% |
| 7 | Sugar River Bank | Newport | A | 85 | 14.01% | 0.23% |
| 8 | Northway Bank | Berlin | A | 84 | 14.75% | 0.38% |
| 9 | Franklin Savings Bank | Franklin | A | 82 | 13.67% | 0.01% |
| 10 | Primary Bank | Bedford | A | 82 | 14.65% | 0.36% |
| 11 | Millyard Bank | Nashua | B | 75 | 12.12% | 0.00% |
| 12 | Bank of New Hampshire | Laconia | B | 74 | 13.42% | 0.05% |
| 13 | Claremont Savings Bank | Claremont | B | 74 | 13.82% | 0.63% |
| 14 | Savings Bank of Walpole | Walpole | B | 71 | 12.25% | 0.33% |
| 15 | Salem Coop Bank | Salem | B | 70 | 19.49% | 0.23% |
| 16 | Meredith Village Sb | Meredith | B | 66 | 13.45% | 0.35% |
| 17 | Mascoma Bank | Lebanon | B | 66 | 11.48% | 0.05% |
| 18 | Bank of New England | Salem | B | 66 | 16.10% | 2.34% |
| 19 | Merrimack County Sb | Concord | C | 63 | 12.11% | 0.79% |
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, Fidelity Personal Tr Co FSB in Merrimack is currently the safest bank in New Hampshire with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 100.50% 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 79/100 (Grade B).
New Hampshire's average Bank Health Score of 79/100 is 1.0 points in line with the national average of 80/100. 95% of banks in New Hampshire earn an A or B grade, compared with the national average grade of A.
Of 19 FDIC-insured banks headquartered in New Hampshire, 10 earn an A, 8 a B, 1 a C, 0 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%).