First Seacoast Bank
Dover, NH · Cert 29744 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · First Seacoast Bcorp Inc.
State savings bank · OCC · 5 branches
Q2 2026
$576.3MAssets
$421.8MLoans
$472.1MDeposits
$47.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 29).
- Widest gap: return on equity trails 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.09%
Rank 28 of 29
Net Interest Margin
2.50%
Rank 20 of 29
Efficiency Ratio
102.81%
Rank 28 of 29
Equity / Assets
8.21%
Rank 25 of 29
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 7% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.09% | 0.23% | 0.39% | 0.50% | Beats 3% | 28 / 29 | | |
| Return on Equity | -1.09% | 2.29% | 3.46% | 5.78% | Beats 3% | 28 / 29 | | |
| Net Interest Margin | 2.50% | 2.42% | 2.71% | 3.01% | Beats 31% | 20 / 29 | | |
| Efficiency Ratio | 102.81% | 78.96% | 84.14% | 93.09% | Beats 7% | 28 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.13% | 0.43% | Beats 72% | 9 / 29 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 15 / 29 | | |
| Capital |
| Tier 1 Capital Ratio | 14.90% | 11.54% | 13.48% | 16.99% | Beats 59% | 12 / 29 | | |
| Total Risk-Based Capital Ratio | 15.96% | 11.54% | 14.44% | 17.87% | Beats 59% | 12 / 29 | | |
| Equity / Assets | 8.21% | 8.70% | 9.70% | 11.05% | Beats 14% | 25 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.35% | 84.22% | 92.17% | 95.56% | 36th pctl | 18 / 28 | | |
| Loans / Assets | 73.20% | 69.12% | 73.70% | 81.02% | 41st pctl | 17 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |