This institution is no longer active

Operations ceased on January 2, 2025. CRA examination history below reflects the period it was active.

NORTHWAY BANK

BERLIN, NH · Supervised by FDIC

Est. 1934FDIC #14,240RSSD: FDIC-14240

Part ofNORTHWAY FINANCIAL INC→ View all charters

Outstanding Up

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.50%

Is this bank safe?

NORTHWAY BANK earned an Outstanding CRA rating (2023), meets basic financial requirements (ROA +0.50%).

Institution Profile

FDIC BankFind

Address

9 Main St, BERLIN, NH

County

Coos County

Established

January 1, 1934

Total Assets

$1.2B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$977M

Net Loans

$865M

Net Income

$6M

ROA

0.50%

Below avg for Community banks. Peer avg: 0.90%

ROE

6.90%

Risk-Based Capital

17.15%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.50%Peer avg: 0.90%▼ Below avg

Risk-Based Capital17.15%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate22.87%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	188	52.66%	22.87%
2023	283	56.89%	21.20%
2022	722	71.47%	11.36%
2021	809	71.45%	11.00%
2020	985	63.25%	13.10%
2019	678	63.86%	15.34%
2018	616	65.26%	13.64%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2023	Outstanding	Intermediate Small Bank
Jan 2020	Satisfactory	Intermediate Small Bank
Mar 2017	Satisfactory	Intermediate Small Bank

9 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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