Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 10.3. A current level of 3.5 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.1) profitability.
Asset Mix:
Home mtgs (50%), comm re (14%), consumer loans (9%), securities (6%), home eq lns (5%), comm loans (2%), cash (2%), other (11%)
States with Branches:
NH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
New Hampshire Mutual Bancorp
Investment Rating
--
Address
24 NH Route 25
Meredith, NH 03253
Meredith, NH 03253
Phone Number
(603) 279-7986
Year Founded
1869
FDIC Number
Website
Largest Affiliates
Concord, NH
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Bank
Walpole, NH
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Bank