First Seacoast Bank
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Data as of · sourced from FFIEC call reports. How we update
First Seacoast Bank is an FDIC-insured savings institution headquartered in Dover, NH, established in 1890 (FDIC certificate 29744), and it is supervised by the OCC. At Q2 2026 it reported total assets of $576.3M, down 4.8% from Q2 2025, the 11th largest of 16 banks headquartered in New Hampshire. Its CET1 capital ratio was 14.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29744
- Headquarters
- Dover, NH
- Established
- 1890
- Total assets, Q2 2026
- $576.3M
- Assets vs Q2 2025
- -4.8%
- CET1 ratio, Q2 2026
- 14.90%
- Domestic offices
- 5 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051 · First Seacoast Bank call report
- Asset rank in state
- 11th of 16 in New Hampshire
First Seacoast Bank spends more to run itself than most banks of its size. Based in Dover, New Hampshire, it had $576 million in assets at June 30, 2026, down 4.8% from a year earlier. It earns about $0.17 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.6 million equal 13% of Tier 1 capital, down from 18% a year earlier. Its margin is thin by comparison: it keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, First Seacoast Bank reported a CET1 capital ratio of 14.90%, a return on assets of 0.17%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.25%. The figures come from its call report filed with the FFIEC.
First Seacoast Bank ranks as the 11th largest of the 16 banks based in New Hampshire, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $576.3M, loans rose 0.8% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 68.2% of total loans, followed by owner-occupied commercial real estate loans at 13.2%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in NH; its Dover office books 59% of its branch deposits. On its Q2 2026 call report, First Seacoast Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 633 Central Ave, Dover, NH 03820
- County
- Strafford
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- —
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $472.1M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $583.2M
- Average total loans
- $420.0M
- Average interest-bearing deposits
- $381.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29744
- Fed RSSD
- 119872
- Website
- www.firstseacoastbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Seacoast Bank's total assets ranged from $556.7M (Q3 2023) to $609.7M (Q3 2025), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$576.3M total assets against $605.1M; $529.0M total liabilities against $560.6M.
$418.4M net loans and leases against $436.2M; $472.1M total deposits against $489.9M.
$133.8M securities against $144.3M; $5.5M cash and balances due against $6.7M.
$6.5M total interest income against $6.8M; $2.7M total interest expense against $3.3M.
$3.7M net interest income against $3.5M.
$417K total noninterest income against $412K; $4.1M total noninterest expense against $4.4M.
-$6K provision for credit losses against $47K.
$250K net income against -$544K.
0.17% return on assets against -0.36%; 2.60% net interest margin against 2.32%.
14.90% CET1 capital ratio against 14.20%; 8.92% tier 1 leverage ratio against 8.45%.
Inside the full First Seacoast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Seacoast Bank rankings
Its closest position to the top of a national ranking is 1,598 of 4,196, for total assets; its furthest is 3,542 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.94% (Q4 2024) to 0.25% (Q3 2025) and its net interest margin ran from 1.81% (Q4 2024) to 2.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.90% | 0.17% | 0.03% | 0.25% | 2.60% |
| Q1 2026 | 14.72% | -0.34% | 0.10% | 0.83% | 2.44% |
| Q4 2025 | 14.56% | -0.06% | 0.11% | 0.95% | 2.43% |
| Q3 2025 | 14.48% | 0.25% | 0.04% | 0.39% | 2.30% |
| Q2 2025 | 14.20% | -0.36% | 0.00% | 0.03% | 2.32% |
| Q1 2025 | 14.15% | -0.40% | 0.00% | 0.00% | 2.20% |
| Q4 2024 | 14.52% | -0.94% | 0.00% | 0.00% | 1.81% |
| Q3 2024 | 14.64% | 0.04% | 0.00% | 0.00% | 2.12% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Seacoast Bank (main office) | Dover , NH | 03820 | $276.9M |
| Rt 125 Barrington Branch | Barrington , NH | 03825 | $58.6M |
| 1 Market Square Branch | Portsmouth , NH | 03801 | $51.7M |
| Durham Shopping Plaza Branch | Durham , NH | 03824 | $45.4M |
| 17 Wakefield Street Branch | Rochester , NH | 03867 | $39.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in NH, rank 19 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.5M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Seacoast Bank
What are First Seacoast Bank's total assets?
As of the Q2 2026 filing, First Seacoast Bank reported total assets of $576.3 million in its FFIEC call report.
Where is First Seacoast Bank headquartered?
It is headquartered in Dover, NH, United States.
When was First Seacoast Bank founded?
It was established in 1890, per the FDIC institution directory.
Is First Seacoast Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Seacoast Bank?
First Seacoast Bank's primary federal regulator is the OCC.
What is First Seacoast Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Seacoast Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Seacoast Bank's Texas Ratio?
Its Texas Ratio is 0.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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