New Hampshire · Q2 2026
Grafton County, New Hampshire
0.0% of Grafton County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Counting institutions that are concentrated but do not meet the growth test, the share is 26%.
Hover or tap a county for its grade.
Banks behind this number
10 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Ledyard National Bank | Norwich, VT | $1.1B | Approaching | — | 70.3% |
| Mascoma Bank | Lebanon, NH | $3.0B | Below | — | 40.7% |
| Meredith Village Savings Bank | Meredith, NH | $1.6B | Below | — | 18.1% |
| Franklin Savings Bank | Franklin, NH | $0.9B | Concentrated | 300%+, growth test not met | 16.7% |
| Bank of New Hampshire | Laconia, NH | $2.8B | Concentrated | 300%+, growth test not met | 16.6% |
| Union Bank | Morrisville, VT | $1.6B | Concentrated | 300%+, growth test not met | 11.8% |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $0.9B | Below | — | 8.7% |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Concentrated | 300%+, growth test not met | 6.9% |
| Claremont Savings Bank | Claremont, NH | $0.6B | Below | — | 4.7% |
| The Camden National Bank | Camden, ME | $6.9B | Below | — | 2.8% |
- Ledyard National BankApproachingNorwich, VT$1.1B—70.3% of bank deposits
- Mascoma BankBelowLebanon, NH$3.0B—40.7% of bank deposits
- Meredith, NH$1.6B—18.1% of bank deposits
- Franklin Savings BankConcentratedFranklin, NH$0.9B300%+, growth test not met16.7% of bank deposits
- Bank of New HampshireConcentratedLaconia, NH$2.8B300%+, growth test not met16.6% of bank deposits
- Union BankConcentratedMorrisville, VT$1.6B300%+, growth test not met11.8% of bank deposits
- Saint Johnsbury, VT$0.9B—8.7% of bank deposits
- Bar Harbor Bank & TrustConcentratedBar Harbor, ME$4.7B300%+, growth test not met6.9% of bank deposits
- Claremont, NH$0.6B—4.7% of bank deposits
- Camden, ME$6.9B—2.8% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
None of the 10 banks under $100B in assets with a branch in Grafton County are above a regulatory CRE concentration threshold this quarter. Another 4 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 26%. 2 more sit within one quarter of a threshold.
Coverage is 67%: the rest of the deposits in Grafton County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.