FIRST NATIONAL BANK

DAMARISCOTTA, ME | Large | Est. April 19, 1864, midnight | FDIC #4256 | RSSD #439404 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in DAMARISCOTTA, ME, established in April 19, 1864, midnight. As of 2025-12-31, the bank reported total assets of $3.1B and total deposits of $2.7B. Profitability stands at 1.32% ROA and 16.62% ROE, with a net interest margin of 2.95%. The bank's CET1 capital ratio is 12.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 4.61%. FDIC Certificate #4256.

Assets

$3.1B

Deposits

$2.7B

Loans

$2.4B

Equity

$254M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 16.62%
Net Interest Margin (NIM) 2.95%
Yield on Assets 5.66%
Cost of Funds 3.47%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.61%
NPA Ratio 0.41%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 12.77%
Tier 1 Capital 12.77%
Total Capital Ratio 13.95%
Leverage Ratio 8.82%
Loan-to-Deposit 89.81%

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