BlastPoint's Banking Scorecard
First National Bank
Designations: ✓ Community bank
Damariscotta, ME
18 branches across ME
First National Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.50% below tier average
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20.2% in tier
- - Flatlined Growth: Bottom 44.7% in tier
- - ROA 0.18% below tier average
- - Net Interest Margin 1.02% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+0.4% YoY
+1.1% QoQ
|
+$349.3M |
$2.8B
-0.1% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$2.4B
+0.9% YoY
+0.5% QoQ
|
+$415.1M |
$2.0B
+0.6% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$2.7B
-1.7% YoY
-0.0% QoQ
|
+$322.1M |
$2.3B
-0.3% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.18%
+24.7% YoY
+5.0% QoQ
|
-0.18% |
1.37%
+19.6% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
2.79%
+16.1% YoY
+7.1% QoQ
|
-1.02% |
3.82%
+6.9% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio ? |
52.56%
-7.8% YoY
+0.4% QoQ
|
-8.50% |
61.06%
-4.6% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
0.71%
+146.4% YoY
+23.2% QoQ
|
-0.18% |
0.89%
+14.1% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
89.29%
+2.7% YoY
+0.5% QoQ
|
+5.09% |
84.20%
+0.3% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
10.09%
+1.8% YoY
-4.3% QoQ
|
-11.20% |
21.29%
-2.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.7% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+147.7% YoY
+22.4% QoQ
|
-0.14% |
0.67%
+15.6% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.84%
+7.8% YoY
+0.5% QoQ
|
-2.32% |
15.16%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.13%
+8.3% YoY
-75.0% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
45% |
Get Full Access to First National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.