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Overview / Commentary
10 North Main Street
Newport, NH 03773

Sugar River Bank is headquartered in Newport and is the 17st largest bank in the state of New Hampshire. It is also the 2,479th largest bank in the nation. It was established in 1895 and as of June of 2014, it had grown to 73 employees at 5 locations. Sugar River Bank has a A+ health rating.

Reviews (1)

Good Customer Service

I had an account at this bank when I went to Magdalen College. True Free checking- no charges of any kind. The people were friendly, too. Now that I'm a saver of course I recognize that the rates are terrible, but they always had free coffee!


Data for Q2 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 June 30, 2014 Sugar River Bank had $2.2 million in non-current loans and owned real-estate with $38.62 million in equity and loan loss allowances on hand to cover it. This gives Sugar River Bank a Texas Ratio of 5.70% 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 Sugar River Bank decreased dramatically from 8.80% as of June 30, 2013 to 5.70% as of June 30, 2014, resulting in a positive change of 35.23%.This indicates that the balance sheet and financial strength for Sugar River Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Sugar River Bank has increased its total deposits by $3.63 million, resulting in 1.91% 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 Sugar River 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. Sugar River Bank has $258.46 million in assets with $38.62 million in equity, resulting in a capitalization level of 14.94%, which is excellent.

Institution Statistics

FDIC Certificate #18028
Year Established1895
Primary RegulatorFDIC
Assets and Liabilities
Assets$258.46 million
Loans$150.33 million
Deposits$194.33 million
Equity Capital$37.11 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$1.80 million
Real Estate Owned$401,000
Historic Data - June 2013
Assets$253.78 million
Equity Capital$34.04 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$1.80 million
Real Estate Owned$81,000
Profit Margin - Quarterly
Return on Assets0.27%
Return on Equity1.88%
Interest Income$4.42 million

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Sugar River Bank Savings Account Rates

0.09%$250k-High Yield Savings
0.05%$100-Statement Savings
0.05%--Fund Savers

Sugar River Bank Money Market Rates

0.09%$250k-Money Market

Sugar River Bank Checking Account Rates

0.01%--Deposit Plus Checking
0.01%--Golden Club Checking
0.01%--SRB Premium Checking

Sugar River Bank CD Rates

1.22%$500-5 Year CD
1.05%$500-4 Year CD
0.95%$500-3 Year CD
0.65%$500-30 Month CD
0.58%$500-2 Year CD
0.35%$500-1 Year CD
0.21%$500-6 Month CD

Sugar River Bank IRA Rates

1.22%$500-5 Year IRA
1.05%$500-4 Year IRA
0.95%$500-3 Year IRA
0.58%$500-2 Year IRA
0.35%$100-1 Year IRA
0.07%--18 Month Variable IRA

Sugar River Bank Locations
Sugar River Bank10 North Main StreetNewport, NH 3773
Sunapee Branch541 Route 11Sunapee, NH 3782
Warner BranchMain StreetWarner, NH 3278
Grantham BranchRoute 10, The Village CenterGrantham, NH 3753
New London BranchRoute 11New London, NH 3257