Piscataqua Savings Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Piscataqua Savings Bank's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (1.72% vs. 3.93%).
| Measure | Piscataqua Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.38% | 1.30% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.72% | 3.93% | Bottom third Ahead of 1% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.02% | 61.31% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $6.8M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.97% | 79.58% | Context |
What it means for lending operations
Its efficiency ratio of 83.02% is above the 61.31% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The North Country Savings Bank Canton, NY · $373M
- Golden Belt Bank, FSA Hays, KS · $374M
- First Federal Community Bank of Bucyrus Bucyrus, OH · $374M
- First National Bank Hamilton, AL · $373M
- First State Bank Stratford, TX · $372M
- The First National Bank of Grayson Grayson, KY · $372M
Questions about Piscataqua Savings Bank
How big is Piscataqua Savings Bank?
Piscataqua Savings Bank, established in 1877, is headquartered in Portsmouth, NH. It reported $373M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Piscataqua Savings Bank's return on assets?
0.38% annualized in Q2 2026, against a 1.30% median for 999 U.S. banks with half to twice its assets, ahead of 8% of them.
What is Piscataqua Savings Bank's efficiency ratio?
83.02% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 61.31%, and lower is better.
Is Piscataqua Savings Bank growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Hampshire bank ranked.