County banking markets / NH / 33009
GraftonNew Hampshire
FIPS 33009. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 10 counties in New Hampshire’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,172) and unconcentrated on deposits (1,362).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
45 branch offices and 15 institutions in 1994; 46 and 13 in 2025. Deposits booked in the county went from $1.04B to $4.04B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Mascoma Bank cert 18013 | $1.05B | 25.95% | 8 | 17.39% |
| 2 | Ledyard National Bank cert 33418 | $575.1M | 14.23% | 7 | 15.22% |
| 3 | Woodsville Guaranty Savings Bank cert 18031 | $506.9M | 12.55% | 8 | 17.39% |
| 4 | Bank of America, National Association cert 3510 | $478.0M | 11.83% | 1 | 2.17% |
| 5 | Citizens Bank, National Association cert 57957 | $340.4M | 8.42% | 3 | 6.52% |
| 6 | Bank of New Hampshire cert 18012 | $285.4M | 7.06% | 4 | 8.70% |
| 7 | Meredith Village Savings Bank cert 17180 | $169.2M | 4.19% | 2 | 4.35% |
| 8 | Bar Harbor Bank & Trust cert 11971 | $157.7M | 3.90% | 5 | 10.87% |
| 9 | The Camden National Bank cert 4255 | $141.7M | 3.51% | 2 | 4.35% |
| 10 | Union Bank cert 14158 | $131.2M | 3.25% | 3 | 6.52% |
| 11 | Franklin Savings Bank cert 17951 | $124.6M | 3.08% | 1 | 2.17% |
| 12 | Passumpsic Savings Bank cert 14134 | $60.7M | 1.50% | 1 | 2.17% |
| 13 | Claremont Savings Bank cert 18038 | $21.1M | 0.52% | 1 | 2.17% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to New Hampshire, or read the methodology for the two HHI constructions and what they cannot tell you.