Bank Of New Hampshire: Bank Stress & Real-Estate Credit Exposure

Bank stress at Bank Of New Hampshire (FDIC Cert #18012) registers 63/100 on DLRadar's scale — a elevated reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as Grafton County, NH, Hillsborough County, NH, Carroll County, NH, Merrimack County, NH, each tied back to DLRadar's distress signals. Read against its 8-county reach, a elevated score sets the credit tone for every market on its map. What separates this from a plain credit rating is the geographic weighting — Bank Of New Hampshire's 63/100 reading reflects not just its balance sheet but the 8 counties it lends into, so the score doubles as a map of where its stress will land first. No bank is too small to score the same way: Bank Of New Hampshire runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 8-county, 189-ZIP profile means exactly what it would for any institution nationwide. The value is in the linkage: Bank Of New Hampshire's elevated reading is mapped onto 189 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Bank Of New Hampshire is held under Bnh Financial, its financials are open to scrutiny and its trend can be independently checked. Its footprint is compact and single-state: 189 ZIP codes in 8 counties over 1 states. Its heaviest exposure sits in New Hampshire (8 counties).

For buyers, lender stress is an early map of supply: when Bank Of New Hampshire pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.