BanksFIRST NATIONAL BANK

FIRST NATIONAL BANK

DAMARISCOTTA, MELargeEst. April 19, 1864, midnightFDIC #4256RSSD #439404OCC
Latest · 2025-12-31

FIRST NATIONAL BANK is an 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%. CET1 capital ratio: 12.77%, well above regulatory minimums. NPL ratio: 0.54% · Texas Ratio: 4.61%. Operates 18 domestic branches.

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 Margin2.95%
Yield on Assets5.66%
Cost of Funds2.78%

Asset Quality

NPL Ratio0.54%
Net Charge-Off Ratio0.06%
Texas Ratio4.61%
NPA Ratio0.41%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio12.77%
Tier 1 Capital12.77%
Total Capital Ratio13.95%
Leverage Ratio8.82%
Loan-to-Deposit89.81%

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