Bank Of New Hampshire Mortgage Rates, Fees & Info

Laconia, NH

LEI: 254900PJVECT3YD6KY88

Tax ID: 02-0155840

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of New Hampshire is a smaller bank specializing in Home Purchase and Refi loans. Bank Of New Hampshire has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Boston, Laconia, Manchester, Lebanon, and Concord among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of New Hampshire has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Of New Hampshire is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.51% 11/21/24
    30 Year Conventional Refi 6.89% 11/21/24
    30 Year Cash-out Refi 6.78% 11/21/24
    30 Year VA Purchase 6.07% 11/21/24
    30 Year VA Refi 6.27% 11/21/24
    30 Year USDA Purchase 6.63% 11/21/24
    15 Year Conventional Purchase 8.27% 11/21/24
    15 Year Conventional Refi 6.73% 11/21/24
    15 Year Cash-out Refi 6.73% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank Of New Hampshire Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Of New Hampshire. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    955

    Origination Dollar Volume (All Markets)

    $207,275,000

    Employee count

    289 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 177 $49,695,000 $280,763 $3,134 5.36%
    Outside of Metro Areas 151 $40,725,000 $269,702 $3,099 4.42%
    Laconia, NH (FHA|USDA|VA) 176 $36,400,000 $206,818 $2,720 4.66%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 91 $22,005,000 $241,813 $3,054 4.79%
    Lebanon, NH-VT (FHA|USDA|VA) 141 $19,985,000 $141,738 $2,807 4.54%
    Concord, NH (FHA|USDA|VA) 86 $13,790,000 $160,349 $2,519 5.08%
    Berlin, NH (FHA|USDA|VA) 36 $4,560,000 $126,667 $2,294 4.73%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 21 $3,475,000 $165,476 $3,271 5.02%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $3,230,000 $1,615,000 $8,432 4.31%
    Keene, NH (FHA|USDA|VA) 13 $2,355,000 $181,154 $3,132 4.67%
    NEW BERN, NC (FHA|USDA|VA) 1 $1,765,000 $1,765,000 $0 4.86%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $1,420,000 $236,667 $0 5.92%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 7 $1,375,000 $196,429 $0 4.43%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 22 $1,370,000 $62,273 $0 6.28%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $0 4.86%
    Vineyard Haven, MA (FHA|USDA|VA) 2 $980,000 $490,000 $3,661 4.25%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $965,000 $965,000 $0 4.92%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $705,000 $705,000 $3,321 3.50%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $375,000 $125,000 $3,043 5.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,628 4.25%
    SPRINGFIELD, MA (FHA|USDA|VA) 4 $230,000 $57,500 $0 6.44%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.94%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 3 $115,000 $38,333 $0 6.70%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $75,000 $25,000 $0 6.91%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.62%
    KINGSTON, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.75%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.13%
    Bank Of New Hampshire's top markets include Boston, Laconia, Manchester, Lebanon, and Concord among others.

    Their top states include:
  • New Hampshire (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank of New Hampshire based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Northfield Savings Bank
    Similarity Rank: 95
    MERRIMACK VALLEY
    Similarity Rank: 110
    Middlesex Federal Savings, F.A.
    Similarity Rank: 111
    Members First Credit Union N.H.
    Similarity Rank: 119
    First Ipswich Bank
    Similarity Rank: 164
    Middlesex Savings Bank
    Similarity Rank: 165
    VERMONT STATE EMPLOYEES
    Similarity Rank: 171
    Coastal Heritage Bank
    Similarity Rank: 180
    NEW HAMPSHIRE
    Similarity Rank: 196
    Bristol County Savings Bank
    Similarity Rank: 210

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 928 $201,750,000 $217,403 $2,812 4.87%
    VA 14 $2,980,000 $212,857 $4,370 4.38%
    FHA 8 $1,780,000 $222,500 $7,268 4.94%
    USDA 5 $765,000 $153,000 $4,459 4.48%

    For 2018, Bank Of New Hampshire's most frequently originated type of loan was Conventional, with 928 originations. Their 2nd most popular type was VA, with 14 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 704 $148,680,000 $211,193 $3,271 4.92%
    Refi 172 $50,540,000 $293,837 $2,351 4.70%
    Home Improvement 35 $1,945,000 $55,571 $253 5.11%
    Cash Out Refi 23 $4,025,000 $175,000 $3,535 4.20%
    Other 21 $2,085,000 $99,286 $471 4.83%

    For 2018, Bank Of New Hampshire's most frequently cited loan purpose was Home Purchase, with 704 originations. The 2nd most popular reason was Refi, with 172 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 525 $125,065,000 $238,219 $3,242 4.41%
    15 Year 130 $11,540,000 $88,769 $1,239 5.41%
    20 Year 129 $18,025,000 $139,729 $2,086 5.99%
    Other 71 $10,615,000 $149,507 $2,872 6.13%
    10 Year 66 $34,120,000 $516,970 $1,948 3.97%
    30+ year 25 $7,235,000 $289,400 $5,107 4.56%
    5 Year 9 $675,000 $75,000 $0 5.04%

    For 2018, Bank Of New Hampshire's most frequently cited loan duration was 30 Year, with 525 originations. The 2nd most popular length was 15 Year, with 130 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 577 $126,815,000 $219,783
    $1k-2k 69 $12,135,000 $175,870
    $2k-3k 24 $4,720,000 $196,667
    $3k-4k 6 $1,860,000 $310,000
    $4k-5k 4 $1,140,000 $285,000
    $5k+ 4 $1,650,000 $412,500

    Bank Of New Hampshire's average total fees were $3,242, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 577 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 342 $96,270,000 $281,491
    3-4% 248 $70,640,000 $284,839
    5-6% 237 $31,695,000 $133,734
    6-7% 79 $5,495,000 $69,557
    7-8% 48 $2,910,000 $60,625
    2.5-3% 1 $265,000 $265,000

    During 2018, Bank Of New Hampshire's average interest rate for loans was 4.41%, while their most frequently originated rate bucket for loans was 4-5%, with 342 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 325 $19,055,000 $58,631 $1,534 5.61%
    $100k-200k 314 $46,210,000 $147,166 $2,941 4.66%
    $200k-400k 218 $57,880,000 $265,505 $3,415 4.34%
    $400k-600k 59 $27,955,000 $473,814 $3,919 4.19%
    $600k-1MM 24 $18,260,000 $760,833 $4,406 4.25%
    $1MM+ 15 $37,915,000 $2,527,667 $6,448 4.19%

    2018 saw Bank Of New Hampshire place emphasis on $100,000 or less loans with 325 originations, totaling $19,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 193 $23,835,000 $123,497 $2,998 5.20%
    $50k or less 170 $13,510,000 $79,471 $2,542 5.48%
    $100k-150k 155 $29,305,000 $189,065 $2,718 4.62%
    $150k-250k 155 $38,535,000 $248,613 $3,054 4.40%
    $75k-100k 148 $23,510,000 $158,851 $2,887 4.83%
    $250k+ 92 $40,250,000 $437,500 $3,402 4.27%

    Bank Of New Hampshire lent most frequently to those with incomes in the $50k-75k range, with 193 originations. The second most popular income band? $50k or less, with 170 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 238 $46,320,000 $194,622 $2,758 4.75%
    30-36% 188 $32,490,000 $172,819 $2,990 4.99%
    <20% 70 $17,110,000 $244,429 $2,687 4.62%
    41% 48 $7,820,000 $162,917 $2,723 4.89%
    38% 48 $7,480,000 $155,833 $2,935 4.96%
    43% 42 $7,870,000 $187,381 $2,759 4.87%
    42% 41 $6,935,000 $169,146 $2,990 5.04%
    40% 37 $5,665,000 $153,108 $3,316 5.13%
    39% 36 $4,000,000 $111,111 $2,502 5.14%
    36% 36 $6,990,000 $194,167 $3,367 4.77%
    37% 24 $4,990,000 $207,917 $2,641 4.88%
    44% 23 $3,605,000 $156,739 $2,477 5.03%
    45% 21 $4,165,000 $198,333 $3,241 4.51%
    46% 18 $4,570,000 $253,889 $4,350 4.76%
    47% 18 $4,690,000 $260,556 $2,957 4.78%
    49% 12 $2,740,000 $228,333 $3,271 4.59%
    48% 11 $1,335,000 $121,364 $2,648 5.09%
    50-60% 9 $1,625,000 $180,556 $3,413 4.37%
    >60% 2 $340,000 $170,000 $2,529 4.18%

    Bank Of New Hampshire lent most frequently to those with DTI ratios of 20-30%, with 238 originations. The next most common DTI ratio? 30-36%, with 188 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 761 $134,505,000 $176,748 $2,842 4.89%
    Not applicable 31 $35,455,000 $1,143,710 $0 5.00%
    Not provided 140 $32,660,000 $233,286 $3,145 4.67%
    Asian 14 $2,760,000 $197,143 $4,156 4.81%
    American Indian 3 $685,000 $228,333 $3,654 5.71%
    Asian Indian 2 $660,000 $330,000 $4,124 4.25%
    Black 2 $260,000 $130,000 $2,225 5.56%
    Chinese 1 $215,000 $215,000 $2,714 3.50%
    Native Hawaiian or Islander 1 $75,000 $75,000 $0 5.75%

    Approval Rates

    Total approvals of all applications
    85.97%

    Bank Of New Hampshire has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.40%

    Bank Of New Hampshire has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 19 $915,000 $48,158
    440.0 1 $165,000 $165,000
    490.5 1 $45,000 $45,000
    494.75 6 $470,000 $78,333
    496.25 1 $55,000 $55,000
    550.5 1 $75,000 $75,000
    663.5 2 $130,000 $65,000
    666.25 4 $250,000 $62,500
    690.5 7 $725,000 $103,571
    694.75 5 $365,000 $73,000
    715.5 3 $255,000 $85,000
    719.75 2 $90,000 $45,000
    730.5 2 $160,000 $80,000
    735.5 1 $65,000 $65,000
    745.5 4 $190,000 $47,500
    748.25 1 $55,000 $55,000
    749.75 1 $65,000 $65,000
    750.0 57 $3,545,000 $62,193
    772.5 7 $615,000 $87,857
    772.85 1 $65,000 $65,000
    776.75 13 $735,000 $56,538
    788.5 1 $75,000 $75,000
    789.5 2 $80,000 $40,000
    792.5 1 $35,000 $35,000
    792.75 1 $35,000 $35,000
    793.75 1 $45,000 $45,000
    797.5 11 $815,000 $74,091
    801.75 16 $1,000,000 $62,500
    808.25 1 $35,000 $35,000
    813.5 1 $25,000 $25,000
    832.0 2 $190,000 $95,000
    NA 779 $195,905,000 $251,483

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $2,160,000 $1,080,000
    Multifamily:Site-Built 18 $25,920,000 $1,440,000
    Single Family (1-4 Units):Manufactured 216 $14,790,000 $68,472
    Single Family (1-4 Units):Site-Built 719 $164,405,000 $228,658

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $6,165,000 $108,158 $1,512 4.77%
    40-60% 106 $29,130,000 $274,811 $2,697 4.68%
    60-80% 380 $92,110,000 $242,395 $3,119 4.89%
    80-100% 364 $76,930,000 $211,346 $3,329 4.90%
    Over 100% 4 $960,000 $240,000 $9,217 4.50%
    Under 20% 44 $1,980,000 $45,000 $181 5.05%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    BANK OF THE WEST FHA mortgage Closing on a mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 1 3.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.4%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Incorrect information on your report 2 7.4%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 3 11.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 5 18.5%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of New Hampshire 11 Portwalk Place Portsmouth, NH 3801 Full Service B&M $14,820
    Bank of New Hampshire 11 Triangle Park Drive Concord, NH 3301 Full Service B&M $38,599
    Bank of New Hampshire 14 Sullivan Street Claremont, NH 3743 Full Service B&M $28,416
    Bank of New Hampshire 1441 Lakeshore Road Gilford, NH 3246 Full Service B&M $63,346
    Bank of New Hampshire 160 Main Street Littleton, NH 3561 Full Service B&M $45,545
    Bank of New Hampshire 167 North Main Street Concord, NH 3301 Full Service B&M $119,342
    Bank of New Hampshire 21 Tower Road Campton, NH 3223 Full Service B&M $22,668
    Bank of New Hampshire 23 Main Street Conway, NH 3818 Full Service B&M $38,100
    Bank of New Hampshire 265 Wallace Road Bedford, NH 3110 Full Service B&M $24,694
    Bank of New Hampshire 28 Main Street Plymouth, NH 3264 Full Service B&M $67,487
    Bank of New Hampshire 3 Eagle Square Concord, NH 3301 Limited, Trust Office $0
    Bank of New Hampshire 301 North Main Street Rochester, NH 3867 Full Service B&M $11,524
    Bank of New Hampshire 325 West Main St Hillsborough, NH 3244 Full Service B&M $21,433
    Bank of New Hampshire 345 Union Avenue Laconia, NH 3246 Limited, Drive-thru $0
    Bank of New Hampshire 55 Central Street Woodsville, NH 3785 Full Service B&M $13,793
    Bank of New Hampshire 583 Main Street Gorham, NH 3581 Full Service B&M $22,952
    Bank of New Hampshire 6 Riverside Drive Plymouth, NH 3264 Full Service B&M $22,029
    Bank of New Hampshire 60 Kings Square Whitefield, NH 3598 Full Service B&M $28,944
    Bank of New Hampshire 62 Pleasant Street Laconia, NH 3246 Full Service B&M $389,287
    Bank of New Hampshire 705 Hooksett Road Manchester, NH 3104 Full Service B&M $32,292
    Bank of New Hampshire 77 Main Street Antrim, NH 3440 Full Service B&M $25,071
    Bank of New Hampshire 845 Central Avenue Dover, NH 3820 Full Service B&M $25,796
    Bank of New Hampshire One Country Club Road Gilford, NH 3246 Full Service B&M $75,113
    Bank of New Hampshire Route 112 Lincoln, NH 3251 Full Service B&M $16,506
    Bank of New Hampshire Route 16 Ossipee, NH 3864 Full Service B&M $44,338
    Bank of New Hampshire Route 25 Moultonborough, NH 3254 Full Service B&M $46,075

    For 2018, Bank Of New Hampshire had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $60,400
    Net interest income $53,808
    Total noninterest income $13,363
    Gross Fiduciary activities income $3,310
    Service charges on deposit accounts $2,560
    Trading account gains and fees $0
    Additional Noninterest Income $7,493
    Pre-tax net operating income $15,782
    Securities gains (or losses, -) $-35
    Income before extraordinary items $12,387
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,387
    Minority interest net income $0
    Net income $12,387
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,414

    Bank Of New Hampshire's gross interest income from loans was $60,400,000.
    Bank Of New Hampshire's net interest income from loans was $53,808,000.
    Bank Of New Hampshire's fee based income from loans was $2,560,000.
    Bank Of New Hampshire's net income from loans was $12,387,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,592
    Provision for credit losses $1,815
    Total noninterest expense $49,574
    Salaries and employee benefits $28,992
    Premises and equipment expense $9,276
    Additional noninterest expense $11,306
    Applicable income taxes $3,360
    Net charge-offs $443
    Cash dividends $0

    Bank Of New Hampshire's interest expense for loans was $6,592,000.
    Bank Of New Hampshire's payroll and benefits expense were $28,992,000.
    Bank Of New Hampshire's property, plant and equipment expenses $9,276,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 3.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,284,590
    Deposits held in domestic offices $1,284,590
    Deposits by Individuals, partnerships, and corporations $1,208,035
    Deposits by U.S. Government $13
    Deposits by States and political subdivisions in the U.S. $71,143
    Deposits by Commercial banks and other depository institutions in U.S. $5,398
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $269,583
    Demand deposits $221,037
    Nontransaction accounts $1,015,006
    Money market deposit accounts (MMDAs) $654,970
    Other savings deposits (excluding MMDAs) $189,985
    Total time deposits $170,050
    Total time and savings deposits $1,063,552
    Noninterest-bearing deposits $301,329
    Interest-bearing deposits $983,261
    Retail deposits $1,184,878
    IRAs and Keogh plan accounts $48,283
    Brokered deposits $74,900
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,639,101
    Cash & Balances due from depository institutions $33,949
    Interest-bearing balances $6,322
    Total securities $185,216
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,316,315
    Loan and leases loss allowance $11,410
    Trading account assets $0
    Bank premises and fixed assets $23,963
    Other real estate owned $43
    Goodwill and other intangibles $27,248
    All other assets $52,367

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,639,101
    Total Liabilities $1,476,388
    Total deposits $1,284,590
    Interest-bearing deposits $983,261
    Deposits held in domestic offices $1,284,590
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $67,239
    Trading liabilities $0
    Other borrowed funds $103,793
    Subordinated debt $0
    All other liabilities $20,766

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,316,315
    Loan and leases loss allowance $11,410
    Total loans and leases (domestic) $1,327,725
    All real estate loans $1,173,723
    Real estate loans in domestic offices $1,173,723
    Construction and development loans $73,054
    Residential 1-4 family construction $13,665
    Other construction, all land development and other land $59,389
    Loans secured by nonfarm nonresidential properties $462,309
    Nonfarm nonresidential secured by owner-occupied properties $174,602
    Commercial real estate & other non-farm, non-residential $287,707
    Multifamily residential real estate $56,188
    1-4 family residential loans $582,172
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $86,217
    To non-U.S. addressees $0
    Loans to individuals $49,467
    Credit card loans $0
    Related Plans $224
    Consumer Auto Loans $867
    Other loans to individuals $48,376
    All other loans & leases $18,318
    Loans to foreign governments and official institutions $0
    Other loans $146
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,586
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,271
    Non 1-4 family restructured loans & leases $504
    Total loans and leases (foreign) $0

    Bank of New Hampshire had $1,316,315,000 of loans outstanding in 2018. $1,173,723,000 of loans were in real estate loans. $73,054,000 of loans were in development loans. $56,188,000 of loans were in multifamily mortgage loans. $582,172,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $867,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 757 $102,105 $134,881
    Nonfarm, nonresidential loans - <$100k 72 $2,977 $41,347
    Nonfarm, nonresidential loans - $100-250k 183 $21,401 $116,945
    Nonfarm, nonresidential loans - $250k-1MM 502 $77,727 $154,835
    Commercial & Industrial, US addressed loans - <$1MM 601 $35,401 $58,903
    Commercial & Industrial, US addressed loans - <$100k 421 $8,594 $20,413
    Commercial & Industrial, US addressed loans - $100-250k 103 $9,539 $92,612
    Commercial & Industrial, US addressed loans - $250k-1MM 77 $17,268 $224,260