First National Bank
Damariscotta, ME · Cert 4256 · Peer group: banks $1B-$10B in assets (n=322-328) · First Bcorp Inc. the
National charter · OCC · 18 branches
Q2 2026
$3.2BAssets
$2.4BLoans
$2.7BDeposits
$264.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 77% of banks $1B-$10B in assets (rank 77 of 328).
- Widest gap: equity / assets trails 91% of banks $1B-$10B in assets (rank 300 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.21%
Rank 169 of 328
Net Interest Margin
2.66%
Rank 293 of 328
Efficiency Ratio
51.27%
Rank 81 of 328
Equity / Assets
8.31%
Rank 300 of 328
Non-interest income vs. expense
Unfavorable gap of $35.2M · efficiency ratio beats 76% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.91% | 1.22% | 1.52% | Beats 48% | 169 / 328 | |
| Return on Equity | 14.56% | 8.43% | 11.45% | 14.43% | Beats 77% | 77 / 328 | |
| Net Interest Margin | 2.66% | 3.03% | 3.45% | 3.83% | Beats 11% | 293 / 328 | |
| Efficiency Ratio | 51.27% | 51.61% | 59.56% | 67.53% | Beats 76% | 81 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.24% | 0.51% | 1.03% | Beats 36% | 206 / 322 | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.03% | 0.10% | Beats 26% | 240 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.05% | 11.75% | 13.15% | 15.47% | Beats 49% | 168 / 328 | |
| Total Risk-Based Capital Ratio | 14.18% | 12.63% | 14.15% | 16.46% | Beats 50% | 163 / 328 | |
| Equity / Assets | 8.31% | 9.15% | 10.33% | 12.01% | Beats 9% | 300 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 90.42% | 76.63% | 87.92% | 95.36% | 58th pctl | 137 / 323 | |
| Loans / Assets | 76.21% | 65.18% | 74.15% | 79.98% | 59th pctl | 135 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |