Damariscotta, ME · Cert 4256 · First Bcorp Inc. the
National charter · OCC · 18 branches
Q2 2026
Market Position · Bangor, ME · 2026 SOD (annual) · 3.0% share · #8 of 9 inst. · $0.1B of $4.9B
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 | 1.02% | 0.96% | 0.95% | 1.05% | 1.18% | 1.32% | 1.18% | 1.25% | +20 bps | |
| Return on Equity | 14.11% | 13.29% | 13.10% | 14.21% | 15.47% | 16.62% | 14.54% | 15.19% | +98 bps | |
| Net Interest Margin | 2.16% | 2.26% | 2.28% | 2.34% | 2.54% | 2.67% | 2.65% | 2.69% | +36 bps | |
| Efficiency Ratio | 56.82% | 53.92% | 57.02% | 52.67% | 50.64% | 49.70% | 52.56% | 49.95% | -272 bps | |
| Non-Interest Burden | 1.01% | 0.97% | 1.09% | 1.00% | 1.03% | 1.04% | 1.14% | 1.07% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.85% | 7.22% | 7.11% | 3.76% | 1.79% | 0.30% | 0.42% | 0.52% | -325 bps | |
| Loan Growth (YoY) | 10.92% | 9.93% | 9.63% | 6.51% | 3.97% | 2.27% | 0.92% | 1.25% | -526 bps | |
| Deposit Growth (YoY) | 3.96% | 4.85% | 6.38% | 4.95% | 1.29% | -2.22% | -1.72% | -0.95% | -589 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.23% | 0.28% | 0.27% | 0.46% | 0.57% | 0.70% | 0.75% | +47 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.03% | 0.11% | 0.07% | 0.05% | 0.13% | 0.26% | +15 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.05% | 1.04% | 1.05% | 1.06% | 1.05% | 1.01% | -2 bps | |
| Allowance Coverage of NPLs | 8.3x | 4.7x | 3.7x | 3.8x | 2.3x | 1.9x | 1.5x | 1.4x | -2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.32% | 8.40% | 8.47% | 8.62% | 8.82% | 9.08% | 9.20% | +73 bps | |
| Total Risk-Based Capital | 13.06% | 13.16% | 13.07% | 13.26% | 13.50% | 13.95% | 14.00% | 14.18% | +92 bps | |
| Equity / Assets | 7.34% | 7.16% | 7.33% | 7.48% | 7.77% | 8.12% | 8.15% | 8.31% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.34% | 85.86% | 87.87% | 88.46% | 87.60% | 89.81% | 90.24% | 90.42% | +196 bps | |
| Liquid Assets / Assets | 12.71% | 12.56% | 11.79% | 11.74% | 11.70% | 11.37% | 12.14% | 11.16% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 367% | 360% | 350% | n/a | n/a | |