Fidelity Personal Trust Company, Fsb vs Sugar River Bank
Comparing a Bank in Merrimack, NH with a Bank in Newport, NH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Fidelity Personal Trust Company, Fsb ↗ Bank · Merrimack, NH · Est. 2000 | Sugar River Bank ↗ Bank · Newport, NH · Est. 1895 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 95/100 |
| Institution type | Bank | Bank |
| Location | Merrimack, NH | Newport, NH |
| Total assets | $67.9M | $416.5M |
| Capital ratio | 97.5% | 11.5% |
| Return on assets | 32.5% | 0.6% |
| Deposits | $500,000 | $358.4M |
| Branches | 2 | 6 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 17 | #5 of 17 |
| Established | 2000 | 1895 |
Fidelity Personal Trust Company, Fsb
- Assets: $67.9M
- Deposits: $500,000
- Capital ratio: 97.5%
- Return on assets: 32.5%
- CFPB complaints: 0
- State rank: #2 of 17
Sugar River Bank
- Assets: $416.5M
- Deposits: $358.4M
- Capital ratio: 11.5%
- Return on assets: 0.6%
- CFPB complaints: 0
- State rank: #5 of 17
Are both institutions federally insured?
Yes. Fidelity Personal Trust Company, Fsb is FDIC-insured and Sugar River Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Fidelity Personal Trust Company, Fsb or Sugar River Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Fidelity Personal Trust Company, Fsb scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Fidelity Personal Trust Company, Fsb safe?
Yes — Fidelity Personal Trust Company, Fsb is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Sugar River Bank safe?
Yes — Sugar River Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (95/100).
What is the capital ratio of Fidelity Personal Trust Company, Fsb vs Sugar River Bank?
Fidelity Personal Trust Company, Fsb has a capital ratio of 97.5%, placing it in the top 1% of <$100M peers. Sugar River Bank's ratio is 11.5%, placing it in the top 32% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Fidelity Personal Trust Company, Fsb have compared to Sugar River Bank?
The CFPB database shows 0 complaints against Fidelity Personal Trust Company, Fsb, and 0 complaints against Sugar River Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Fidelity Personal Trust Company, Fsb with other Banks in New Hampshire
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
