Piscataqua Savings Bank

15 Pleasant Street
Portsmouth, NH 3801
603.436.5250
www.piscataqua.com

OverView
Rates
Health
Reviews

Piscataqua Savings Bank is headquartered in Portsmouth and is the 18^st largest bank in the state of New Hampshire. It is also the 2,780^th largest bank in the nation. It was established in 1877 and as of March of 2012, it had grown to 36 employees at 1 location. Piscataqua Savings Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

Piscataqua Savings Bank Routing Number: 211474687

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Piscataqua Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Checking Account

Piscataqua Savings Bank Savings Account Rates

Apy	Min	Max	Product
1.25%	$10k	-	Health Savings Account
0.30%	$100	-	Passbook Saving
0.30%	$100	-	Statement Savings
0.30%	-	-	Christmas Club
0.30%	-	-	Vacation Club

Piscataqua Savings Bank Money Market Rates

Apy	Min	Max	Product
0.50%	$100k	$250k	Premier Money Market
0.30%	$2,500	-	Money Market

Piscataqua Savings Bank CD Rates

Apy	Min	Max	Product
1.35%	$500	-	3 Year CD
1.10%	$500	-	2 Year CD
0.85%	$500	-	1 1/2 Year CD
0.60%	$500	-	1 Year CD
0.50%	$500	-	6 Month CD
0.50%	$500	-	9 Month CD
0.30%	$2,500	-	3 Month CD

Piscataqua Savings Bank IRA Rates

Apy	Min	Max	Product
1.35%	$500	-	3 Year IRA
1.35%	$500	-	3 Year Roth IRA
1.35%	$500	-	3 Year CESA
1.35%	$500	-	3 Year HSA
1.10%	$500	-	2 Year IRA
1.10%	$500	-	2 Year Roth IRA
1.10%	$500	-	2 Year CESA
1.10%	$500	-	2 Year HSA
0.85%	-	-	1 1/2 Year Variable IRA
0.85%	$500	-	1 1/2 Year IRA
0.85%	$500	-	1 1/2 Year Roth IRA
0.85%	-	-	1 1/2 Year Variable Roth IRA
0.85%	$500	-	1 1/2 Year CESA
0.85%	$500	-	1 1/2 Year HSA
0.85%	-	-	1 1/2 Year Variable CESA
0.85%	-	-	1 1/2 Year Variable HSA
0.60%	$500	-	1 Year IRA
0.60%	$500	-	1 Year Roth IRA
0.60%	$500	-	1 Year CESA
0.60%	$500	-	1 Year HSA
0.50%	$500	-	6 Month IRA
0.50%	$500	-	9 Month IRA
0.50%	$500	-	6 Month Roth IRA
0.50%	$500	-	9 Month Roth IRA
0.50%	$500	-	6 Month CESA
0.50%	$500	-	6 Month HSA
0.50%	$500	-	9 Month CESA
0.50%	$500	-	9 Month HSA
0.30%	$2,500	-	3 Month IRA
0.30%	$2,500	-	3 Month Roth IRA
0.30%	$2,500	-	3 Month CESA
0.30%	$2,500	-	3 Month HSA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Piscataqua Savings Bank
FDIC Certificate #	17443
BankRate Report	View
Year Established	1877
Employees	36
Primary Regulator	FDIC
Assets and Liabilities
Assets	$229.40 million
Loans	$150.51 million
Deposits	$190.39 million
Equity Capital	$36.74 million
Loan Loss Allowance	$1.44 million
Unbacked Noncurrent Loans	$697,000
Historic Data - March 2011
Assets	$222.64 million
Equity Capital	$36.09 million
Loan Loss Allowance	$1.38 million
Unbacked Noncurrent Loans	$967,000
Profit Margin - Quarterly
Net Interest Margin	2.54%
Return on Assets	0.44%
Return on Equity	2.73%
Interest Income	$1.77 million

Institution Health

Overall Score:

5 out of 5

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 March 31, 2012 Piscataqua Savings Bank had $697,000 in non-current loans and owned real-estate with $38.18 million in equity and loan loss allowances on hand to cover it. This gives Piscataqua Savings Bank a Texas Ratio of 1.83% 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 Piscataqua Savings Bank decreased slightly from 2.58% as of March 31, 2011 to 1.83% as of March 31, 2012, resulting in a positive change of 29.26%.This indicates that the balance sheet and financial strength for Piscataqua Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Piscataqua Savings Bank has increased its total deposits by $4.86 million, resulting in 2.62% 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 Piscataqua Savings Bank has shown is above average.
Capitalization
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. Piscataqua Savings Bank has $229.4 million in assets with $38.18 million in equity, resulting in a capitalization level of 16.64%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.