Sugar River Bank vs Fidelity Personal Trust Company, Fsb
Comparing a Bank in Newport, NH with a Bank in Merrimack, NH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Sugar River Bank ↗ Bank · Newport, NH · Est. 1895 | Fidelity Personal Trust Company, Fsb ↗ Bank · Merrimack, NH · Est. 2000 | |
|---|---|---|
| Trust Grade | A · 95/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Newport, NH | Merrimack, NH |
| Total assets | $416.5M | $67.9M |
| Capital ratio | 11.5% | 97.5% |
| Return on assets | 0.6% | 32.5% |
| Deposits | $358.4M | $500,000 |
| Branches | 6 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 17 | #2 of 17 |
| Established | 1895 | 2000 |
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
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
Are both institutions federally insured?
Yes. Sugar River Bank is FDIC-insured and Fidelity Personal Trust Company, Fsb 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, Sugar River Bank or Fidelity Personal Trust Company, Fsb?
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 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 regardless of the institution's Trust Grade. Its Trust Grade is A (95/100), reflecting its financial strength and complaint history relative to peers.
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. Its Trust Grade is A (98/100).
What is the capital ratio of Sugar River Bank vs Fidelity Personal Trust Company, Fsb?
Sugar River Bank has a capital ratio of 11.5%, placing it in the top 32% of $100M–1B peers. Fidelity Personal Trust Company, Fsb's ratio is 97.5%, placing it in the top 1% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Sugar River Bank have compared to Fidelity Personal Trust Company, Fsb?
The CFPB database shows 0 complaints against Sugar River Bank, and 0 complaints against Fidelity Personal Trust Company, Fsb. 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 Sugar River Bank 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.
