Dover, NH · Cert 29744 · First Seacoast Bcorp Inc.
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #52 of 100 inst. · $0.5B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.95% | -0.41% | -0.36% | 0.26% | -0.06% | -0.34% | 0.17% | +53 bps | |
| Return on Equity | 0.44% | -12.01% | -5.34% | -4.88% | 3.41% | -0.74% | -4.37% | 2.14% | +702 bps | |
| Net Interest Margin | 2.03% | 2.02% | 2.16% | 2.29% | 2.26% | 2.39% | 2.40% | 2.55% | +27 bps | |
| Efficiency Ratio | 116.86% | 122.54% | 117.55% | 112.30% | 104.88% | 103.84% | 106.01% | 99.40% | -1,291 bps | |
| Non-Interest Burden | 2.42% | 2.53% | 2.58% | 2.61% | 2.40% | 2.49% | 2.56% | 2.54% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.14% | 1.71% | 2.81% | 0.51% | 1.26% | 3.17% | -0.65% | -4.76% | -527 bps | |
| Loan Growth (YoY) | 2.05% | 1.86% | 3.86% | 1.11% | -0.74% | -4.11% | -6.66% | -4.07% | -519 bps | |
| Deposit Growth (YoY) | 7.39% | 10.72% | 10.36% | 3.96% | 6.75% | 3.42% | 1.01% | -3.63% | -759 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.11% | 0.10% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.79% | 0.80% | 0.78% | 0.80% | 0.81% | 0.82% | 0.82% | 0.81% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 251.2x | 18.1x | 7.2x | 8.3x | 26.8x | -224.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.05% | 8.69% | 8.68% | 8.45% | 8.44% | 8.41% | 8.67% | 8.92% | +47 bps | |
| Total Risk-Based Capital | 15.66% | 15.55% | 15.16% | 15.23% | 15.53% | 15.60% | 15.77% | 15.96% | +73 bps | |
| Equity / Assets | 8.08% | 7.74% | 7.54% | 7.36% | 7.71% | 7.85% | 7.83% | 8.21% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.40% | 92.65% | 94.71% | 89.76% | 86.84% | 85.90% | 87.51% | 89.35% | -41 bps | |
| Liquid Assets / Assets | 2.57% | 1.03% | 0.86% | 0.92% | 3.04% | 2.05% | 1.99% | 0.78% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 200% | 190.19% | 194.24% | n/a | n/a | |