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First Seacoast Bank

$100M-$1B Specialty: Mortgage NH FDIC cert 29744

Dover, NH

5 branches across NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in NH.
  • Deposits -3.6% year over year ($472.1M on the books).
  • Delinquency rate 0.03%.
  • Return on assets -0.09%.
  • Efficiency ratio 102.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in NH
View $100M-$1B leaderboard (NH) →

First Seacoast Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.9% in tier
  • - Capital Constraint: Bottom 39.2% in tier
  • - Return on Assets 1.41% below tier average
  • - Net Interest Margin 1.43% below tier average
  • - Efficiency Ratio 38.14% above tier average
Get updates when First Seacoast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Total Assets ? $576.3M
-4.8% YoY -2.1% QoQ
+$189.7M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $418.4M
-4.1% YoY +0.8% QoQ
+$160.1M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $472.1M
-3.6% YoY -1.2% QoQ
+$145.4M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? -0.09%
+77.2% YoY +74.3% QoQ
-1.41% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
Bottom 2.9% in tier
Net Interest Margin ? 2.56%
+10.1% YoY +3.4% QoQ
-1.43% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
Bottom 3.3% in tier
Efficiency Ratio ? 102.62%
-10.6% YoY -3.2% QoQ
+38.14% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Bottom 2.1% in tier
Delinquency Rate ? 0.03%
+853.2% YoY -69.2% QoQ
-0.89% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 88.62%
-0.5% YoY +2.1% QoQ
+10.67% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 19.05%
+13.7% YoY +0.6% QoQ
-2.98% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.02%
+860.0% YoY -68.3% QoQ
-0.65% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 14.90%
+5.0% YoY +1.3% QoQ
-1.01% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.14%
+10.7% YoY +118.6% QoQ
-0.43% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
30%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Noninterest-Bearing 19.1%
+2.3pp YoY
+0.1pp QoQ
 -3.1pp 22.1% 15.1% 22.2% 40%
Brokered Deposits 12.1%
-5.8pp YoY
-0.2pp QoQ
 +4.2pp 7.9% 8.0% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 6.4%
+0.7pp YoY
+1.3pp QoQ
 -5.2pp 11.6% 10.5% 12.5% 28%
CRE 22.8%
-1.2pp YoY
-1.3pp QoQ
 -16.7pp 39.5% 41.5% 41.4% 22%
1-4 Family 68.8%
+0.6pp YoY
+0.2pp QoQ
 +36.2pp 32.6% 44.6% 31.3% 94%
Consumer 2.8%
-0.1pp YoY
-0.2pp QoQ
 -1.3pp 4.1% 4.8% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio 14.9%
+0.7pp YoY
+0.2pp QoQ
 -3.9pp 18.8% 14.5% 19.7% 48%
Leverage Ratio 8.9%
+0.5pp YoY
+0.2pp QoQ
 -3.3pp 12.2% 16.7% 12.6% 11%
Total Capital Ratio 16.0%
+0.7pp YoY
+0.2pp QoQ
 -4.0pp 19.9% 15.6% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 68
-5 (-6.8%) YoY
-4 (-5.6%) QoQ
 +9 58 117 482 69%
Assets per Employee ($) $8.5M
+2.2% YoY
+3.6% QoQ
 +$957K $7.5M $8.6M $8.8M 74%
Branch Count 5
0 YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 8%
Allowance Coverage 26.78x
-89.3% YoY
+222.0% QoQ
 +2.63x 24.15x 5.03x 20.23x 90%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.0% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE -1.1%
+4.0pp YoY
+3.3pp QoQ
 -13.3pp 12.2% 7.7% 11.6% 3%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
-0.1pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 70%
Net Income ($, YTD) $-259000.0
+77.3% YoY
— QoQ
 -$2.8M $2.6M $4.7M $40.4M 3%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#61 of 659 • Top 9.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#75 of 1256 • Bottom 5.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Constraint

risk
#43 of 107 • Bottom 39.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 88.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 14.90%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

437
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#437 of 2643 Top 16.5% in $100M-$1B
468
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#468 of 2633 Top 17.7% in $100M-$1B
504
Total Loans
size
Value: $418.40M
Peer Median: $258.35M
#504 of 2643 Top 19.0% in $100M-$1B
565
Total Assets
size
Value: $576.31M
Peer Median: $386.57M
#565 of 2643 Top 21.3% in $100M-$1B
609
Total Deposits
size
Value: $472.13M
Peer Median: $326.73M
#609 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (3 metrics)

2589
Efficiency Ratio
profitability
Value: 102.62%
Peer Median: 64.48%
#2589 of 2643 Bottom 2.1% in $100M-$1B
2567
Return on Assets
profitability
Value: -0.09%
Peer Median: 1.32%
#2567 of 2643 Bottom 2.9% in $100M-$1B
2556
Net Interest Margin
profitability
Value: 2.56%
Peer Median: 3.99%
#2556 of 2643 Bottom 3.3% in $100M-$1B
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