Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Asset Mix:
Comm re (44%), home mtgs (17%), securities (10%), cash (6%), comm loans (2%), home eq lns (1%), consumer loans (1%), other (18%)
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
BNH Financial
Investment Rating
--
Address
62 Pleasant Street
Laconia, NH 03246
Laconia, NH 03246
Phone Number
(603) 527-3210
Year Founded
1831
FDIC Number
Website
Largest Affiliates
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