Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Good asset quality (5.8). Weak liquidity 2.7, driven by a liquidity ratio of 5.5 percent and a “hot money” ratio of 15.0 percent.
Asset Mix:
Home mtgs (32%), consumer loans (17%), comm re (16%), securities (10%), comm loans (8%), home eq lns (4%), cash (3%), 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
89 North Main Street
Concord, NH 03301
Concord, NH 03301
Phone Number
(603) 223-2605
Year Founded
1867
FDIC Number
Website
Largest Affiliates
Meredith, NH
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Bank
Walpole, NH
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Bank