New Hampshire’s 16 headquartered banks reported $6.6 billion in total commercial real estate loans as of June 30, 2026, according to FDIC Call Reports. Their portfolios included $1.3 billion in construction and land loans, $864.2 million in multifamily loans, $1.5 billion in owner occupied loans and $2.9 billion in investor nonfarm nonresidential loans. State headquartered bank CRE balances increased +5.4% year over year, while the top five banks held 76.9% of the group total. The ranking focuses on the size of each institution’s CRE book, with additional measures showing portfolio composition, recent growth, loan concentration and investor CRE relative to equity capital.
The table covers banks headquartered in New Hampshire, rather than every institution available to borrowers in the state. Banks based elsewhere can also maintain New Hampshire branches and make local loans, but their FDIC Call Reports present CRE balances across all states. That distinction matters when comparing a local deposit presence with an institution’s total national or regional CRE portfolio. BestCRE uses FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C, together with the FDIC Summary of Deposits 2026. Borrowers can use the ranking to identify active bank candidates, then compare those institutions with out of state banks and nonbank capital sources.
New Hampshire banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Bank of New Hampshire | Laconia, NH | $1,612 | $152 | $218 | $305 | +4.9% | 72.3% |
| 2 | Bank of New England | Salem, NH | $1,514 | $589 | $58.3 | $161 | +1.0% | 96.9% |
| 3 | Mascoma Bank | Lebanon, NH | $980 | $131 | $254 | $177 | +2.3% | 39.1% |
| 4 | Primary Bank | Bedford, NH | $491 | $85.7 | $50.6 | $164 | +8.4% | 73.1% |
| 5 | Franklin Savings Bank | Franklin, NH | $456 | $36.9 | $88.7 | $124 | +9.6% | 62.3% |
| 6 | Merrimack County Savings Bank | Concord, NH | $339 | $65.6 | $46.8 | $107 | +4.6% | 28.6% |
| 7 | Meredith Village Savings Bank | Meredith, NH | $319 | $62.8 | $25.1 | $123 | +8.5% | 22.0% |
| 8 | Savings Bank of Walpole | Walpole, NH | $179 | $23.4 | $25.7 | $95.1 | +11.8% | 27.9% |
| 9 | The Millyard Bank | Nashua, NH | $177 | $20.5 | $22.8 | $77.6 | +25.4% | 67.0% |
| 10 | Salem Co-operative Bank | Salem, NH | $140 | $36.9 | $21.3 | $40.0 | +31.2% | 28.9% |
| 11 | Claremont Savings Bank | Claremont, NH | $117 | $31.6 | $11.5 | $51.0 | +18.5% | 23.8% |
| 12 | First Seacoast Bank | Dover, NH | $95.5 | $15.8 | $4.2 | $55.7 | -8.7% | 22.6% |
| 13 | Profile Bank | Rochester, NH | $67.6 | $12.6 | $32.0 | $14.8 | -5.5% | 34.0% |
| 14 | Sugar River Bank | Newport, NH | $48.2 | $13.3 | $4.4 | $13.0 | +13.8% | 16.4% |
| 15 | Walden Mutual Bank | Concord, NH | $32.7 | $1.0 | $0.0 | $31.4 | +31.7% | 25.7% |
| 16 | Piscataqua Savings Bank | Portsmouth, NH | $2.1 | $0.7 | $0.9 | $0.5 | +12.1% | 1.1% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.
Bank of New Hampshire leads with $1.6 billion in CRE loans, including $938.3 million of investor nonfarm nonresidential loans. Bank of New England follows at $1.5 billion and has the table’s largest construction and land balance at $588.6 million. Mascoma Bank ranks third with $979.8 million, including $254.4 million in multifamily loans. Growth varies widely. Salem Co-operative Bank reported +31.2% year over year growth, while The Millyard Bank reported +25.4%. First Seacoast Bank declined -8.7%, and Profile Bank declined -5.5%. Concentration also separates the leaders. CRE represents 96.9% of loans at Bank of New England and 72.3% at Bank of New Hampshire. Their investor CRE to equity ratios are 4.47x and 3.85x, respectively, both high relative to many banks in the table. Portfolio scale, mix, growth and concentration therefore point to different potential fits for borrowers.
Out of state banks with branches in New Hampshire
| Bank | Headquarters state | Branches in New Hampshire | Deposits in New Hampshire ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| TD Bank, N.A. | Delaware | 43 | $10,701 | $30,408 |
| Citizens Bank, N.A. | Rhode Island | 40 | $8,907 | $26,949 |
| Bank of America, N.A. | North Carolina | 15 | $5,412 | $79,906 |
| Manufacturers and Traders Trust Company | New York | 23 | $1,676 | $34,665 |
| Bar Harbor Bank & Trust | Maine | 29 | $1,442 | $2,035 |
| Santander Bank, N.A. | Delaware | 10 | $1,255 | $17,133 |
| Rockland Trust Company | Massachusetts | 8 | $1,047 | $10,387 |
| The Camden National Bank | Maine | 16 | $984 | $2,161 |
| Eastern Bank | Massachusetts | 9 | $844 | $9,932 |
| Ledyard National Bank | Vermont | 10 | $773 | $316 |
| JPMorgan Chase Bank, N.A. | Ohio | 12 | $470 | $179,847 |
| Bangor Savings Bank | Maine | 9 | $378 | $1,975 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for New Hampshire only; CRE loans are bank wide.
The ranking provides a starting point for a bank loan search
Total CRE loan volume is the primary ranking measure. A larger book can indicate greater appetite for commercial property credit and more capacity to hold loans, although the reported balance does not establish that a bank will approve a particular request. Bank of New Hampshire reports $1.6 billion, Bank of New England reports $1.5 billion and Mascoma Bank reports $979.8 million. Borrowers can begin with institutions whose existing portfolios appear consistent with the size and type of the proposed financing.
The supporting columns refine that initial screen. Loan mix shows where each bank is most active, while year over year change identifies institutions that are adding or reducing CRE balances. CRE share of total loans and investor CRE to equity show how concentrated an institution is, which can signal that a bank will be selective. Bank lending remains relationship driven and local, so the table should guide outreach rather than substitute for direct discussions. Borrowers should contact several plausible lenders and compare current responses.
Get your deal in front of the right lenders in New Hampshire
Tell BestCRE about the property, the loan amount and the timeline. We package the request and bring back term sheets from banks, debt funds, life companies, CMBS, agency and SBA lenders, so you compare more than the bank down the street.
Tell Us About Your DealHow BestCRE Capital WorksLoan mix and concentration distinguish the banks’ reported activity
The largest portfolios have materially different compositions. Bank of New Hampshire reports $938.3 million in investor nonfarm nonresidential loans, $305.1 million in owner occupied loans, $217.6 million in multifamily loans and $151.6 million in construction and land loans. Bank of New England reports $705.5 million in investor nonfarm nonresidential loans and $588.6 million in construction and land loans. Mascoma Bank reports $417.6 million in investor nonfarm nonresidential loans and $254.4 million in multifamily loans. These balances show where existing activity is concentrated without describing any current loan program or credit terms.
Concentration measures add context to raw balances. CRE accounts for 96.9% of loans at Bank of New England, 73.1% at Primary Bank and 72.3% at Bank of New Hampshire. Their investor CRE to equity ratios are 4.47x, 2.69x and 3.85x. By comparison, Piscataqua Savings Bank reports a 1.1% CRE share and a 0.04x investor CRE to equity ratio. A high ratio relative to other banks in the table can indicate that an institution may be selective, even when its reported CRE portfolio is large.
Out of state banks and nonbank lenders broaden the search
Several banks headquartered outside New Hampshire have substantial local branch and deposit positions. TD Bank, N.A. has 43 branches and $10.7 billion of deposits in the state, while Citizens Bank, N.A. has 40 branches and $8.9 billion. Bank of America, N.A. has 15 branches and $5.4 billion, and Manufacturers and Traders Trust Company has 23 branches and $1.7 billion. Their total CRE loan figures cover all states, so they are not directly comparable with a measure of New Hampshire lending.
Borrowers can also compare bank proposals with debt funds, life companies, CMBS, agency and SBA lenders. These nonbank sources do not appear in bank call reports, and their absence from the ranking does not indicate a lack of activity. Each source should be evaluated separately because the table describes reported bank portfolios, not current quotes or approval standards. Comparing several banks and nonbank lender types helps a borrower test available structures while accounting for relationship preferences, property type, requested proceeds and the lender’s existing portfolio exposure.
Frequently Asked Questions
Which bank is the largest commercial real estate lender headquartered in New Hampshire?
Bank of New Hampshire ranks first among New Hampshire headquartered banks with $1.6 billion in total CRE loans as of June 30, 2026. Its portfolio includes $938.3 million in investor nonfarm nonresidential loans, $305.1 million in owner occupied loans, $217.6 million in multifamily loans and $151.6 million in construction and land loans. CRE represents 72.3% of its total loans, and its investor CRE to equity ratio is 3.85x. The bank ranks 277 nationally by total CRE loans in the FDIC Call Report comparison.
Which New Hampshire bank reports the most construction and land lending?
Bank of New England reports $588.6 million in construction and land loans, the largest balance among the New Hampshire headquartered banks in the table. It ranks second overall with $1.5 billion in total CRE loans. Its other reported categories include $705.5 million in investor nonfarm nonresidential loans, $161.1 million in owner occupied loans and $58.3 million in multifamily loans. CRE accounts for 96.9% of its total loans, and its investor CRE to equity ratio is 4.47x, which is high relative to the other banks shown.
Which New Hampshire bank reports the largest multifamily loan portfolio?
Mascoma Bank reports $254.4 million in multifamily loans, the largest multifamily balance in the ranked table. The Lebanon headquartered bank ranks third with $979.8 million in total CRE loans. Its portfolio also includes $417.6 million in investor nonfarm nonresidential loans, $176.9 million in owner occupied loans and $130.9 million in construction and land loans. Mascoma Bank’s CRE balance increased +2.3% year over year. CRE represents 39.1% of its total loans, while investor CRE equals 3.11x its total equity capital.
Which New Hampshire banks are adding CRE loans fastest?
Walden Mutual Bank reports the highest year over year CRE growth in the table at +31.7%, followed by Salem Co-operative Bank at +31.2% and The Millyard Bank at +25.4%. Their portfolio sizes differ substantially. Walden Mutual Bank reports $32.7 million in total CRE loans, Salem Co-operative Bank reports $140.4 million and The Millyard Bank reports $176.7 million. Growth identifies banks that added balances during the period, but it does not establish current availability, pricing or approval standards. Borrowers should consider growth together with portfolio size, mix and concentration.
Do banks headquartered outside New Hampshire appear in this ranking?
The ranking itself includes only the 16 banks headquartered in New Hampshire. Out of state institutions can still serve borrowers through local branches. TD Bank, N.A., headquartered in Delaware, has 43 New Hampshire branches and $10.7 billion in deposits in the state. Citizens Bank, N.A., headquartered in Rhode Island, has 40 branches and $8.9 billion in state deposits. Their reported total CRE portfolios, $30.4 billion and $26.9 billion, cover all states rather than New Hampshire alone. That reporting difference is why they are discussed separately from the ranked table.
More BestCRE lender rankings
CRE lenders by state
BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.