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Overview / Commentary
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 2,508th largest bank in the nation. It was established in 1889 and as of March of 2014, it had grown to 58 employees at 4 locations. First Colebrook Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Colebrook Bank had $1.82 million in non-current loans and owned real-estate with $25.56 million in equity and loan loss allowances on hand to cover it. This gives First Colebrook Bank a Texas Ratio of 7.10% 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 increased slightly from 0.90% as of March 31, 2013 to 7.10% as of March 31, 2014, resulting in a negative change of 685.17%. This indicates that the balance sheet and financial strength for First Colebrook Bank has declined slightly in recent periods.

Deposit Growth


In the past year, First Colebrook Bank has increased its total deposits by $5.19 million, resulting in 2.43% 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 above average.



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 $255.48 million in assets with $25.57 million in equity, resulting in a capitalization level of 10.01%, which is above average.

Institution Statistics

FDIC Certificate #6212
Year Established1889
Primary RegulatorFDIC
Assets and Liabilities
Assets$255.48 million
Loans$188.13 million
Deposits$219.14 million
Equity Capital$23.72 million
Loan Loss Allowance$1.85 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$31,000
Historic Data - March 2013
Assets$249.06 million
Equity Capital$23.35 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$48,000
Profit Margin - Quarterly
Net Interest Margin3.33%
Return on Assets0.54%
Return on Equity5.94%
Interest Income$2.37 million

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First Colebrook Bank Savings Account Rates

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

First Colebrook Bank Money Market Rates

0.20%$100k-Bull Moose Money Market

First Colebrook Bank Checking Account Rates

0.56%-$25kMoose Rewards Checking - Qualifying
0.56%$20k-Not-For-Profit Checking
0.25%$500-IOLTA NOW Account
0.05%--Moose Rewards Checking - Non Qualifying
0.05%$500-NOW Account

First Colebrook Bank CD Rates

1.60%$1k-60 Month CD
1.36%$1k-48 Month CD
1.10%$1k-36 Month Add-On CD Special
0.91%$1k-30 Month CD
0.86%$1k-27 Month Bump-Out CD Special
0.70%$1k-24 Month CD
0.65%$1k-23 Month Bump-Up CD Special
0.50%$1k-18 Month CD
0.45%$1k-12 Month CD
0.30%$1k-6 Month CD

First Colebrook Bank IRA Rates

1.60%--60 Month IRA
1.36%--48 Month IRA
1.10%--36 Month IRA
0.91%--30 Month IRA
0.86%--27 Month Bump-Out IRA Special
0.70%--24 Month IRA
0.65%--23 Month Bump-Up IRA Special
0.50%--18 Month IRA
0.45%--12 Month IRA
0.30%--6 Month IRA Savings Plan

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