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First National Bank

$1B-$10B Specialty: Commercial ME FDIC cert 4256

Designations: ✓ Community bank

Damariscotta, ME

18 branches across ME

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 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in ME.
  • Deposits -0.9% year over year ($2.7B on the books).
  • Delinquency rate 0.75%.
  • Return on assets 1.22%.
  • Efficiency ratio 51.24% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.50% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 15 in ME
View $1B-$10B leaderboard (ME) →

First National Bank has 2 strengths but faces 3 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

  • + Efficiency Ratio 8.49% below tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 27.6% in tier
  • - Net Interest Margin 1.05% below tier average
  • - ROA 0.17% below tier average
Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $3.2B
+0.5% YoY +0.5% QoQ
+$387.2M $2.8B
-0.6% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $2.4B
+1.3% YoY +0.8% QoQ
+$436.1M $2.0B
-0.3% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $2.7B
-0.9% YoY +0.6% QoQ
+$361.9M $2.3B
-0.5% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.22%
+21.6% YoY +2.9% QoQ
-0.17% 1.39%
+17.0% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 2.82%
+15.4% YoY +0.9% QoQ
-1.05% 3.87%
+6.2% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
Bottom 9.5% in tier
Efficiency Ratio ? 51.24%
-6.5% YoY -2.5% QoQ
-8.49% 59.73%
-12.6% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.75%
+174.6% YoY +6.8% QoQ
-0.11% 0.87%
+11.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 89.50%
+2.2% YoY +0.2% QoQ
+4.47% 85.04%
-0.1% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 10.58%
-2.0% YoY +4.9% QoQ
-10.69% 21.27%
-1.5% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
Bottom 11.8% in tier
Nonperforming Asset Ratio ? 0.57%
+176.6% YoY +7.1% QoQ
-0.11% 0.67%
+11.7% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 13.05%
+7.9% YoY +1.7% QoQ
-1.79% 14.84%
-0.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.27%
+9.7% YoY +103.9% QoQ
-0.26% 0.53%
+2.5% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
44%

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 (ME) National Avg Tier Percentile
Noninterest-Bearing 10.6%
-0.2pp YoY
+0.5pp QoQ
 -10.8pp 21.4% 16.8% 22.2% 11%
Brokered Deposits 31.5%
+1.2pp YoY
+2.0pp QoQ
 +22.1pp 9.5% 12.9% 8.5% 95%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I 16.3%
+0.3pp YoY
-0.1pp QoQ
 +2.3pp 14.0% 8.7% 12.5% 71%
CRE 41.1%
-1.8pp YoY
-1.2pp QoQ
 -8.9pp 50.0% 38.6% 41.4% 27%
1-4 Family 38.0%
+1.8pp YoY
+0.8pp QoQ
 +11.6pp 26.4% 49.6% 31.3% 79%
Consumer 0.8%
0.0pp YoY
+0.1pp QoQ
 -3.9pp 4.7% 1.9% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 13.1%
+1.0pp YoY
+0.2pp QoQ
 -2.5pp 15.6% 15.4% 19.7% 42%
Leverage Ratio 9.2%
+0.7pp YoY
+0.1pp QoQ
 -2.1pp 11.3% 11.6% 12.6% 16%
Total Capital Ratio 14.2%
+0.9pp YoY
+0.2pp QoQ
 -2.5pp 16.7% 16.4% 20.8% 41%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 278
-3 (-1.1%) YoY
-6 (-2.1%) QoQ
 -36 313 259 482 61%
Assets per Employee ($) $11.4M
+1.6% YoY
+2.7% QoQ
 +$959K $10.5M $8.5M $8.8M 75%
Branch Count 18
0 YoY
0 QoQ
 -2 20 18 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.0% 0.4% 52%
Nonaccrual 0.7%
+0.5pp YoY
0.0pp QoQ
 -0.1pp 0.8% 0.6% 1.0% 63%
Allowance Coverage 1.36x
-64.4% YoY
-9.5% QoQ
 -17.35x 18.71x 7.67x 20.23x 35%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 14.9%
+1.2pp YoY
+0.3pp QoQ
 +2.3pp 12.6% 8.8% 11.6% 72%
Cost of Funds (YTD) 2.5%
-0.4pp YoY
0.0pp QoQ
 +0.5pp 1.9% 2.0% 1.7% 84%
Net Income ($, YTD) $19.2M
+22.1% YoY
— QoQ
 -$11K $19.2M $12.8M $40.4M 68%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#112 of 402 • Bottom 27.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

802
Net Interest Margin
profitability
Value: 2.82%
Peer Median: 3.87%
#802 of 885 Bottom 9.5% in $1B-$10B
782
Non-Interest-Bearing Deposit Share
funding
Value: 10.58%
Peer Median: 21.27%
#782 of 885 Bottom 11.8% in $1B-$10B
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