BlastPoint's Banking Scorecard
First Seacoast Bank
Dover, NH
5 branches across NH
First Seacoast Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.2% in tier
- - Return on Assets 1.61% below tier average
- - Net Interest Margin 1.45% below tier average
- - Efficiency Ratio 40.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$588.8M
-0.7% YoY
-1.8% QoQ
|
+$202.8M |
$386.1M
+0.5% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$415.0M
-6.7% YoY
-0.3% QoQ
|
+$159.2M |
$255.7M
+1.1% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$478.1M
+1.0% YoY
-2.1% QoQ
|
+$150.1M |
$328.0M
+0.1% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
-0.34%
+16.1% YoY
-143.8% QoQ
|
-1.61% |
1.27%
+12.9% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.1% in tier |
| Net Interest Margin ? |
2.48%
+9.6% YoY
+3.6% QoQ
|
-1.45% |
3.93%
+6.0% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio ? |
106.01%
-9.8% YoY
-3.1% QoQ
|
+40.73% |
65.29%
-4.5% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate ? |
0.10%
-13.5% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
86.79%
-7.6% YoY
+1.9% QoQ
|
+10.16% |
76.64%
+0.8% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
18.94%
+6.2% YoY
+5.7% QoQ
|
-3.08% |
22.02%
-1.0% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.07%
-12.2% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.72%
+4.0% YoY
+1.1% QoQ
|
-1.11% |
15.83%
+1.5% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.06%
+11.3% YoY
-77.0% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.