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132 Main Street
Colebrook, NH 03576

First Colebrook Bank is headquartered in Colebrook and is the 16st largest bank in the state of New Hampshire. It is also the 2,437th largest bank in the nation. It was established in 1889 and as of December of 2013, it had grown to 60 employees at 4 locations. First Colebrook Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Colebrook Bank had $1.6 million in non-current loans and owned real-estate with $25 million in equity and loan loss allowances on hand to cover it. This gives First Colebrook Bank a Texas Ratio of 6.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Colebrook Bank experienced no significant changes from 3.28% as of December 31, 2012 to 6.40% as of December 31, 2013, resulting in a negative change of 95.02%. This indicates that the balance sheet and financial strength for First Colebrook Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, First Colebrook Bank has increased its total deposits by $12.88 million, resulting in 6.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Colebrook Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Colebrook Bank has $262.07 million in assets with $25 million in equity, resulting in a capitalization level of 9.54%, which is above average.

Institution Statistics

FDIC Certificate #6212
Year Established1889
Primary RegulatorFDIC
Assets and Liabilities
Assets$262.07 million
Loans$185.66 million
Deposits$224.77 million
Equity Capital$23.14 million
Loan Loss Allowance$1.86 million
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$31,000
Historic Data - December 2012
Assets$250.60 million
Equity Capital$23.28 million
Loan Loss Allowance$1.96 million
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$152,000
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.57%
Return on Equity6.29%
Interest Income$9.71 million

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First Colebrook Bank Savings Account Rates

0.25%--Vacation Club
0.15%--Christmas Club
0.10%$100-Statement Savings
0.10%--Health Savings
0.05%$500-Account Analysis Interest

First Colebrook Bank Money Market Rates

0.25%$100k-Bull Moose Money Market

First Colebrook Bank Checking Account Rates

0.76%-$25kMoose Rewards Checking
0.76%$20k-Not-For-Profit Checking
0.25%$500-IOLTA NOW Account
0.05%--Moose Rewards Checking
0.05%$500-NOW Account

First Colebrook Bank CD Rates

1.50%$1k-60 Month CD
1.25%$1k-48 Month CD
1.00%$1k-36 Month Add-On CD Special
0.80%$1k-30 Month CD
0.75%$1k-27 Month Bump-Out CD Special
0.60%$1k-24 Month CD
0.55%$1k-23 Month Bump-Up CD Special
0.40%$1k-18 Month CD
0.35%$1k-12 Month CD
0.20%$1k-6 Month CD

First Colebrook Bank IRA Rates

1.50%--60 Month IRA (Traditional,Roth,SEP)
1.25%--48 Month IRA (Traditional,Roth,SEP)
1.00%--36 Month IRA (Traditional,Roth,SEP)
0.80%--30 Month IRA (Traditional,Roth,SEP)
0.75%--27 Month Bump-Out IRA Special (Traditional,Roth,SEP)
0.60%--24 Month IRA (Traditional,Roth,SEP)
0.55%--23 Month Bump-Up IRA Special (Traditional,Roth,SEP)
0.40%--18 Month IRA (Traditional,Roth,SEP)
0.35%--12 Month IRA (Traditional,Roth,SEP)
0.20%--6 Month IRA Savings Plan (Traditional,Roth,SEP)

First Colebrook Bank Locations
Concord Branch100 Loudon RoadConcord, NH 3301
The First Colebrook Bank132 Main StreetColebrook, NH 3576
Portsmouth Branch2400 Lafayette RoadPortsmouth, NH 3802
Amherst Branch69 Route 101aAmherst, NH 3031