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Distressed Note Industry
Analyzing consumer loans loan performance across 22 New Hampshire banks
As of Q3 2025, 22 New Hampshire banks report consumer loans portfolios totaling $84.9M. Non-performing loans in this category total $724K — an average NPL ratio of 0.85% — with $1.2M 30-89 days delinquent, $0 90+ days delinquent, and $724K in nonaccrual status. The most distressed lender in this category is BANK OF NEW HAMPSHIRE (NH) with an NPL ratio of 7.69%.
Total Lenders
22
Total Loan Portfolio
$84.9M
Total NPL
$724K
Average NPL %
0.85%
30-89 Days
$1.2M
90+ Days
$0
Nonaccrual
$724K
Charge-offs
$830K
Distribution of banks by non-performing loan ratio
| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BANK OF NEW HAMPSHIRE | NH | $91K | $7K | 7.69% |
| BANK OF NEW HAMPSHIRE | NH | $91K | $7K | 7.69% |
| SALEM CO-OPERATIVE BANK | NH | $27.3M | $348K | 1.27% |
| SALEM CO-OPERATIVE BANK | NH | $27.3M | $348K | 1.27% |
| MERRIMACK COUNTY SAVINGS BANK | NH | $2.2M | $7K | 0.32% |
| MERRIMACK COUNTY SAVINGS BANK | NH | $2.2M | $7K | 0.32% |
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