Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1934
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	03570
State and County Number	33007
Subchapter S Corporations	No
Trust Powers	Trust Powers Not Granted
Federal Reserve ID Number	01
Numeric code	21
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Berlin, NH

Operational Info

Number of Employees	162
Domestic Offices	18
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	01/02/2025
Date of Deposit Insurance	04/16/1934
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/28/2025
CERT	14240
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.19B
Total Deposits	$977.47M
Total Liabilities	$1.10B
Total Equity Capital	$89.62M
Net Income	$1.94M
Net Loans and Leases	$864.58M
Assets Per Employee ($Millions)	$7.33M
Bank Premises and Fixed Assets	$12.16M
Cash and Balances due from Depository Institutions	$47.44M
Deposits Held in Domestic Offices	$977.47M

Return on Assets (ROA)	0.64%
Return on Equity (ROE)	8.3%
Net Interest Margin	2.79%
Efficiency Ratio	81.27%
Tier 1 Risk-Based Capital Ratio	15.897%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	-0.16%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	7.544%
Earning Assets to total Assets	94.87%

Total Interest Income	$12.16M
Total Noninterest Income	$1.16M
Total Interest Expense	$4.22M
Total Noninterest Expense	$7.40M
Net Interest Income	$7.95M
Pre-tax Net Operating Income	$2.20M
Provision for Credit Losses	$-492,000
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$72.00k
Other borrowed funds	$45.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$65.50M
All Other Liabilities	$10.42M
Total Liabilities and Capital	$1.19B

Securities	$226.71M
Available-for-sale debt securities	$226.71M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Northway Bank?

$1.19B as of the latest filing.

How much are Northway Bank's total deposits?

$977.47M in total deposits.

Where is Northway Bank located?

Berlin, NH.

What is the Net Interest Margin?

2.79%.

How many domestic offices does it operate?

18.

When was it established?

01/01/1934.

What is the Return on Assets (ROA)?

0.64%.

How much are total loans and leases?

$864.58M (latest filing).

What is the total interest income (latest filing)?

$12.16M.