$589M
−0.7%y/y
Percentile by value62nd percentileby value
FDIC
ASSETFS
First Seacoast Bank
Dover, New HampshireFDIC Cert #29744
OCCEstablished 18905 branches
Holding company: FIRST SEACOAST BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Seacoast Bank reported $589M in total assets. Deposits grew 1.01% over the prior year.
Return on assets was −0.34%, compared with an asset-peer median of 1.22%. The leverage ratio was 8.67%.
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$478M
+1.0%y/y
Percentile by value58th percentileby value
FDIC
DEP$415M
−6.7%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET−0.34%
+7 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA106.01%
−1,154 bpsy/y
Peer standing2nd percentile
FDIC
NONIX + NIM + NONII + EEFFR8.67%
−1 bpsy/y
Peer standing8th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $478M | $382M |
| Q3 2021 | $494M | $402M |
| Q4 2021 | $487M | $405M |
| Q1 2022 | $500M | $401M |
| Q2 2022 | $510M | $400M |
| Q3 2022 | $524M | $399M |
| Q4 2022 | $537M | $393M |
| Q1 2023 | $548M | $438M |
| Q2 2023 | $553M | $411M |
| Q3 2023 | $557M | $435M |
| Q4 2023 | $571M | $427M |
| Q1 2024 | $577M | $429M |
| Q2 2024 | $602M | $471M |
| Q3 2024 | $602M | $468M |
| Q4 2024 | $581M | $472M |
| Q1 2025 | $593M | $473M |
| Q2 2025 | $605M | $490M |
| Q3 2025 | $610M | $499M |
| Q4 2025 | $600M | $489M |
| Q1 2026 | $589M | $478M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $57.4M |
| Investor CRE | $23.4M |
| Multifamily | $4.78M |
| Construction | $14.4M |
| 1–4 family | $285M |
| C&I | $21.3M |
| Agriculture | $0 |
| Other | $12.5M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.34%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−4.37%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY2.48%3rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR106.01%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+1.01%28th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−6.70%4th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%77th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ8.67%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.05%21st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC77%20th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.34%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.17%Median 0.56%90th 1.64%Observations 17
ROE
FDIC
NETINC + ROE−4.37%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.53%Median 5.90%90th 13.19%Observations 17
NIM
FDIC
NIM + NIMY2.48%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.47%Median 3.32%90th 4.04%Observations 17
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR106.01%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.63%Median 77.04%90th 89.45%Observations 17
Deposits YoY
FDIC
DEP+1.01%13th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.78%Median +5.19%90th +17.32%Observations 17
Loans YoY
FDIC
LNLSNET−6.70%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.27%Median +4.03%90th +21.17%Observations 16
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%93rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 0.35%90th 1.01%Observations 16
Leverage
FDIC
RBC1AAJ8.67%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.00%90th 15.98%Observations 17
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.05%25th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.41%Median 2.57%90th 3.64%Observations 17
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC77%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 105%Median 178%90th 354%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.34%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.22%Median 0.50%90th 1.17%Observations 10
ROE
FDIC
NETINC + ROE−4.37%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.81%Median 4.41%90th 10.74%Observations 10
NIM
FDIC
NIM + NIMY2.48%22nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.38%Median 3.15%90th 3.95%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR106.01%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 59.80%Median 79.88%90th 90.77%Observations 10
Deposits YoY
FDIC
DEP+1.01%11th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.95%Median +5.25%90th +10.01%Observations 10
Loans YoY
FDIC
LNLSNET−6.70%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.59%Median +5.22%90th +13.24%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%89th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.30%90th 0.61%Observations 10
Leverage
FDIC
RBC1AAJ8.67%11th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.67%Median 10.88%90th 14.28%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.05%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.26%Median 2.68%90th 3.63%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC77%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 93%Median 163%90th 303%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Dover, NH
FDIC
OFFDOMOpen the New Hampshire dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data