Which banks are lending on multifamily and commercial real estate in New Hampshire?
Reviewed by Dominick Prevete, Founder, Blue Sky Capital Advisors
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17 FDIC-insured banks headquartered in New Hampshire with under $100 billion in assets held $864.2 million of multifamily loans and $5.0 billion of commercial real estate loans at June 30, 2026, in Dominick Prevete's analysis of FDIC Call Report data for Blue Sky Capital Advisors, a commercial mortgage advisor. The two largest multifamily books are at Mascoma Bank and Bank Of New Hampshire. 59.5% of the state's bank CRE sits at banks at or above the 300% monitoring level, rank 3 of 43 states.
Data as of June 30, 2026 (Q2 2026 FDIC Call Reports) · Retrieved October 12, 2026MethodologyDownload the New Hampshire data (CSV)
New Hampshire bank CRE at a glance
| Measure | New Hampshire | U.S. | Rank of 43 |
|---|---|---|---|
| FDIC-insured banks | 17 | 4,281 | 40 |
| Multifamily loans | $864.2M | $405.2B | 42 |
| Total CRE loans | $5.0B | $1,600.5B | 43 |
| Multifamily growth, year over year | +6.1% | +3.5% | 26 |
| CRE growth, year over year | +7.3% | +3.4% | 9 |
| Share of CRE at banks at or above 300% | 59.5% | 25.0% | 3 |
| Share of CRE at banks at or above 200% | 83.9% | 71.0% | 14 |
| Banks growing multifamily | 3 of 8 (37.5%) | 670 of 1,066 (62.9%) | 42 |
CRE is construction, multifamily and non-owner-occupied commercial real estate loans. Growth is like for like: New Hampshire banks that filed at both dates with no merger in the year. "Banks growing multifamily": of the 8 such New Hampshire banks with a multifamily book of $25 million or more a year earlier, the 3 whose book is larger now; the rank orders that share.
What stands out in New Hampshire
59.5% of New Hampshire's bank CRE sits at banks at or above the 300% monitoring level, the third-highest of the 43 ranked states (U.S.: 25.0%).
More of this state's bank CRE sits at banks near their concentration limits, so a bank that isn't growing its book may say no on size alone.
3 of New Hampshire's 8 banks with a multifamily book of $25 million or more a year ago grew it (37.5%), the second-lowest of the 43 ranked states (U.S.: 62.9%).
Fewer of this state's multifamily lenders are growing their books than nationally, so a borrower here may need to ask more banks, or look past them.
Which New Hampshire banks are growing multifamily?
| # | Bank | City | Multifamily loans | Multifamily, year over year | CRE concentration (% of capital) | CRE, 36 months |
|---|---|---|---|---|---|---|
| 1 | MASCOMA BANK | LEBANON | $254.4M | +22.5% | 273.1% | +21.8% |
| 2 | BANK OF NEW HAMPSHIRE | LACONIA | $217.6M | +4.6% | 354.2% | +20.8% |
| 3 | FRANKLIN SAVINGS BANK | FRANKLIN | $88.7M | +17.7% | 343.0% | +49.5% |
| 4 | BANK OF NEW ENGLAND | SALEM | $58.3M | −16.0% | 426.8% | +36.3% |
| 5 | PRIMARY BANK | BEDFORD | $50.6M | −23.5% | 253.2% | +24.9% |
| 6 | MERRIMACK COUNTY SB | CONCORD | $46.8M | −2.4% | 155.3% | −9.5% |
| 7 | PROFILE BANK | ROCHESTER | $32.0M | −3.4% | 180.0% | +14.9% |
| 8 | SAVINGS BANK OF WALPOLE | WALPOLE | $25.7M | +27.0% | 102.8% | +13.8% |
| 9 | MEREDITH VILLAGE SB | MEREDITH | $25.1M | −8.3% | 108.5% | −2.5% |
| 10 | MILLYARD BANK | NASHUA | $22.8M | +15.0% | 293.3% | +104.7% |
| 11 | SALEM COOP BANK | SALEM | $21.3M | +40.8% | 140.0% | +139.2% |
| 12 | CLAREMONT SAVINGS BANK | CLAREMONT | $11.5M | −9.6% | 79.7% | +130.3% |
| 13 | SUGAR RIVER BANK | NEWPORT | $4.4M | −19.2% | 57.7% | +23.6% |
| 14 | FIRST SEACOAST BANK | DOVER | $4.2M | −24.1% | 71.4% | −29.6% |
| 15 | PISCATAQUA SAVINGS BANK | PORTSMOUTH | $0.9M | −1.1% | 3.1% | −58.9% |
None of these 15 New Hampshire banks absorbed another institution in the 36 months to June 30, 2026 (FDIC structure history), so every change shown is the bank's own. Names as filed in the FDIC financial data; city is the headquarters. Shading: 300% and over, and 200%–299%.
Banks with $100 billion or more in assets are left out of this table and the state ranks, as on the national page: the largest banks' balance sheets are national. None is headquartered in New Hampshire.
This list is FDIC Call Report data, not a list of Blue Sky's lender relationships, and it isn't a ranking or endorsement. How Blue Sky gets paid →
Download every New Hampshire bank (CSV)Every state, and the national picture →
What this means if you're a borrower in New Hampshire
If a New Hampshire bank turns your loan down, ask whether it was the deal or the bank's own concentration. A bank at or above the monitoring level can decline a sound loan, and the same file may fit a bank with room on its books.
With few New Hampshire banks growing their multifamily books, a deal may need capital beyond the state's banks: agency, life-company or debt-fund lenders.
Dominick Prevete of Blue Sky Capital Advisors arranges multifamily and commercial financing for New Hampshire properties with banks and other lenders, and is paid at closing (how Blue Sky gets paid). Call (908) 220-6404 or request a consultation.
Sources
- FFIEC Central Data Repository: public Call Reports as of June 30, 2026 — Every bank figure on this page: each bank's loans, capital, concentration and growth, from its Call Report as of June 30, 2026 (retrieved October 12, 2026).
- FDIC BankFind Suite: bank lookup — The banks named in the table: look up any New Hampshire bank by name or FDIC certificate number to confirm its headquarters and status.
- New Hampshire banks, bank by bank (CSV) — The 17 banks headquartered in New Hampshire, as filed: the rows behind the tables and every state figure here.
- Methodology, sources and limitations — How CRE concentration, like-for-like growth and the ranks among the 43 states are computed.
New Hampshire bank CRE: common questions
Which banks in New Hampshire hold the most multifamily loans?+
Among banks headquartered in New Hampshire with under $100 billion in assets, Mascoma Bank ($254.4 million), Bank Of New Hampshire ($217.6 million) and Franklin Savings Bank ($88.7 million) held the largest multifamily books at June 30, 2026, according to FDIC Call Report data. The table on this page lists the 15 largest, with each bank's change over the year.
Are New Hampshire banks still growing multifamily?+
Like for like, New Hampshire's banks grew 6.1% their multifamily books in the year to June 30, 2026, against +3.5% for U.S. banks under $100 billion. 3 of the 8 New Hampshire banks with a multifamily book of $25 million or more a year earlier grew it. Like for like means banks that filed at both dates with no merger in the year.
How concentrated is New Hampshire bank CRE?+
59.5% of the CRE held by New Hampshire's banks under $100 billion sits at banks at or above 300% of capital, the 2006 interagency monitoring level: rank 3 of 43 states, against 25.0% nationally. 83.9% sits at banks at or above 200%. These are monitoring levels, not limits, and a bank above one is not in violation of anything.
Why don't national banks appear in this list?+
Banks with $100 billion or more in assets are left out of this page's tables and ranks, as on the national page: the largest banks' balance sheets are national, so their headquarters state says little about where they lend. None is headquartered in New Hampshire. Every bank here is listed by headquarters state, not by where its loans are.
How often is this updated?+
Every quarter, after banks file their Call Reports. This New Hampshire page reflects the 17 New Hampshire banks' June 30, 2026 (Q2 2026) filings, retrieved October 12, 2026; Q3 2026 data is expected in December 2026.
What this table is not. Concentration ratios are computed from each New Hampshire bank's own public regulatory filings and describe portfolio composition relative to capital — nothing here is a statement about any institution's safety, soundness, or condition, and exceeding a supervisory monitoring criterion is neither a violation nor a supervisory finding. Blue Sky Capital Advisors is a commercial mortgage advisory firm, not a bank rating agency.