🏦Bank Scorer

This institution is no longer active

Operations ceased on January 2, 2025. CRA examination history below reflects the period it was active.

NORTHWAY BANK

BERLIN, NH · Supervised by FDIC

Est. 1934FDIC #14,240RSSD: FDIC-14240
Part ofNORTHWAY FINANCIAL INC→ View all charters
Outstanding Up

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Address

9 Main St, BERLIN, NH

County

Coos County

Established

January 1, 1934

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$977M

Net Loans

$865M

Net Income

$6M

ROA

0.50%

ROE

6.90%

Risk-Based Capital

17.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate22.87%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418852.66%22.87%
202328356.89%21.20%
202272271.47%11.36%
202180971.45%11.00%
202098563.25%13.10%
201967863.86%15.34%
201861665.26%13.64%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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