First National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Damariscotta, ME against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 1.34% | -0.10% | 45th below |
| ROAE | 15.19% | 12.40% | +2.79% | 72nd above |
| Net Interest Margin | 2.84% | 3.83% | -0.99% | 10th bottom |
| Efficiency Ratio | 48.53% | 57.84% | -9.31% | 78th top |
| PPNR / Avg Assets | 1.62% | — | — | 41st below |
| Yield on Earning Assets | 5.26% | 5.71% | -0.45% | 33rd below |
| Cost of Funds | 2.59% | 2.02% | +0.57% | 18th bottom |
| Net Interest Spread | 2.39% | — | — | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.02% | 1.00% | +0.02% | 32nd below |
| NPA / Total Assets | 0.78% | — | — | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.26% | 0.43% | -0.17% | 15th bottom |
| ACL / Total Loans | 1.01% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 99.17% | — | — | 30th below |
| Texas Ratio | 6.33% | 5.47% | +0.86% | 30th below |
| Provision / NCO | 65.95% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.05% | 14.99% | -1.94% | 42nd below |
| Tier 1 Ratio | 13.05% | 15.02% | -1.97% | 42nd below |
| Total Capital Ratio | 14.18% | — | — | 41st below |
| Leverage Ratio | 9.20% | 11.11% | -1.91% | 16th bottom |
| Equity / Assets | 8.31% | 11.02% | -2.71% | 10th bottom |
| TCE / Tangible Assets | 8.21% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.42% | 86.99% | +3.43% | 44th below |
| Core Deposit Ratio | 64.73% | 85.57% | -20.84% | 5th bottom |
| Uninsured Deposit Ratio | 17.20% | 33.19% | -15.99% | 89th top |
| Wholesale Funding Ratio | 6.73% | — | — | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.52% | — | — | 17th bottom |
| Loan Growth (Y/Y) | 1.25% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | -0.95% | — | — | 13th bottom |
See First National Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First National Bank peer analysis.