This institution is no longer active

Operations ceased on November 2, 1990. CRA examination history below reflects the period it was active.

NEW HAMPSHIRE SAVINGS BANK

CONCORD, NH · Supervised by FDIC

Est. 1830FDIC #17,236RSSD: FDIC-17236

Part ofNEW HAMPSHIRE SB CORP→ View all charters

Satisfactory

Current rating · Exam: April 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.99%

Is this bank safe?

NEW HAMPSHIRE SAVINGS BANK holds a Satisfactory CRA rating (1990), shows financial metrics that merit closer review (ROA -4.99%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

27 North State Street, CONCORD, NH

County

Merrimack County

Established

August 1, 1830

Total Assets

$752M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 2, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1990Call Report / FDIC

Total Assets

$752M

Total Deposits

$689M

Net Loans

$536M

Net Income

$-32,078K

ROA

-4.99%

Below avg for Small banks. Peer avg: 0.44%

Risk-Based Capital

-5.16%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-4.99%Peer avg: 0.44%▼ Below avg

Risk-Based Capital-5.16%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate27.19%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	114	57.89%	27.19%
2023	90	58.89%	31.11%
2022	106	75.47%	15.09%
2021	288	80.56%	4.86%
2020	342	75.73%	4.97%
2019	195	66.15%	5.64%
2018	107	67.29%	7.48%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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