New Hampshire · Q2 2026
Hillsborough County, New Hampshire
Banks under $100B in assets hold 14% of deposits in Hillsborough County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.
5.3% of Hillsborough 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 34%.
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Banks behind this number
12 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| The Millyard Bank | Nashua, NH | $0.3B | Approaching | — | 100.0% |
| Primary Bank | Bedford, NH | $0.8B | Below | — | 93.9% |
| Bank of New Hampshire | Laconia, NH | $2.8B | Concentrated | 300%+, growth test not met | 14.4% |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Concentrated | 300%+, growth test not met | 10.9% |
| Bank of New England | Salem, NH | $1.8B | Above threshold | C1 | 7.7% |
| Franklin Savings Bank | Franklin, NH | $0.9B | Concentrated | 300%+, growth test not met | 7.2% |
| Merrimack County Savings Bank | Concord, NH | $1.4B | Below | — | 5.9% |
| The Lowell Five Cent Savings Bank | Tewksbury, MA | $1.9B | Concentrated | 300%+, growth test not met | 4.2% |
| Bangor Savings Bank | Bangor, ME | $7.7B | Below | — | 1.8% |
| Eastern Bank | Boston, MA | $31B | Approaching | — | 1.7% |
| The Camden National Bank | Camden, ME | $6.9B | Below | — | 1.1% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 0.9% |
- The Millyard BankApproachingNashua, NH$0.3B—100.0% of bank deposits
- Primary BankBelowBedford, NH$0.8B—93.9% of bank deposits
- Bank of New HampshireConcentratedLaconia, NH$2.8B300%+, growth test not met14.4% of bank deposits
- Bar Harbor Bank & TrustConcentratedBar Harbor, ME$4.7B300%+, growth test not met10.9% of bank deposits
- Bank of New EnglandAbove thresholdSalem, NH$1.8BC17.7% of bank deposits
- Franklin Savings BankConcentratedFranklin, NH$0.9B300%+, growth test not met7.2% of bank deposits
- Concord, NH$1.4B—5.9% of bank deposits
- The Lowell Five Cent Savings BankConcentratedTewksbury, MA$1.9B300%+, growth test not met4.2% of bank deposits
- Bangor Savings BankBelowBangor, ME$7.7B—1.8% of bank deposits
- Eastern BankApproachingBoston, MA$31B—1.7% of bank deposits
- Camden, ME$6.9B—1.1% of bank deposits
- Norwich, NY$16B—0.9% 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
1 of the 12 banks under $100B in assets with a branch in Hillsborough County is above a regulatory CRE concentration threshold, and it holds 5.3% of the county deposits this report covers. Another 5 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 34%. 4 more sit within one quarter of a threshold.
Coverage is 14%: the rest of the deposits in Hillsborough 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.