New Hampshire · Q2 2026
Merrimack County, New Hampshire
0.0% of Merrimack 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 37%.
Hover or tap a county for its grade.
Banks behind this number
12 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Walden Mutual Bank Fewer than 12 quarters of history; criterion 2 not evaluated | Concord, NH | $0.2B | Below | — | 100.0% |
| Merrimack County Savings Bank | Concord, NH | $1.4B | Below | — | 93.6% |
| Franklin Savings Bank | Franklin, NH | $0.9B | Concentrated | 300%+, growth test not met | 54.3% |
| Sugar River Bank | Newport, NH | $0.4B | Below | — | 39.1% |
| Bank of New Hampshire | Laconia, NH | $2.8B | Concentrated | 300%+, growth test not met | 18.7% |
| Ledyard National Bank | Norwich, VT | $1.1B | Approaching | — | 17.8% |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Concentrated | 300%+, growth test not met | 13.9% |
| Mascoma Bank | Lebanon, NH | $3.0B | Below | — | 4.5% |
| Bangor Savings Bank | Bangor, ME | $7.7B | Below | — | 1.5% |
| The Camden National Bank | Camden, ME | $6.9B | Below | — | 1.4% |
| Eastern Bank | Boston, MA | $31B | Approaching | — | 0.3% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 0.2% |
- Walden Mutual BankBelowConcord, NH$0.2B—100.0% of bank depositsFewer than 12 quarters of history; criterion 2 not evaluated
- Concord, NH$1.4B—93.6% of bank deposits
- Franklin Savings BankConcentratedFranklin, NH$0.9B300%+, growth test not met54.3% of bank deposits
- Sugar River BankBelowNewport, NH$0.4B—39.1% of bank deposits
- Bank of New HampshireConcentratedLaconia, NH$2.8B300%+, growth test not met18.7% of bank deposits
- Ledyard National BankApproachingNorwich, VT$1.1B—17.8% of bank deposits
- Bar Harbor Bank & TrustConcentratedBar Harbor, ME$4.7B300%+, growth test not met13.9% of bank deposits
- Mascoma BankBelowLebanon, NH$3.0B—4.5% of bank deposits
- Bangor Savings BankBelowBangor, ME$7.7B—1.5% of bank deposits
- Camden, ME$6.9B—1.4% of bank deposits
- Eastern BankApproachingBoston, MA$31B—0.3% of bank deposits
- Norwich, NY$16B—0.2% 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 12 banks under $100B in assets with a branch in Merrimack County are above a regulatory CRE concentration threshold this quarter. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 37%. 3 more sit within one quarter of a threshold.
Coverage is 44%: the rest of the deposits in Merrimack 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.