First Seacoast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Seacoast Bank of Dover, NH against its peer group of 2757 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 | 0.17% | 1.25% | -1.08% | 5th bottom |
| ROAE | 2.14% | 12.22% | -10.08% | 6th bottom |
| Net Interest Margin | 2.60% | 3.95% | -1.35% | 3rd bottom |
| Efficiency Ratio | 98.14% | 63.71% | +34.43% | 2nd bottom |
| PPNR / Avg Assets | 0.01% | — | — | 2nd bottom |
| Yield on Earning Assets | 4.51% | 5.67% | -1.16% | 8th bottom |
| Cost of Funds | 2.10% | 1.87% | +0.23% | 31st below |
| Net Interest Spread | 1.99% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 82nd top |
| NPA / Total Assets | 0.02% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 0.81% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 2678.12% | — | — | — |
| Texas Ratio | 0.25% | 5.96% | -5.71% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.90% | 17.18% | -2.28% | 48th below |
| Tier 1 Ratio | 14.90% | 17.21% | -2.31% | 48th below |
| Total Capital Ratio | 15.96% | — | — | 47th below |
| Leverage Ratio | 8.92% | 11.75% | -2.83% | 11th bottom |
| Equity / Assets | 8.21% | 10.98% | -2.77% | 15th bottom |
| TCE / Tangible Assets | 8.19% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.35% | 80.44% | +8.91% | 30th below |
| Core Deposit Ratio | 82.96% | 86.95% | -3.99% | 24th bottom |
| Wholesale Funding Ratio | 7.78% | — | — | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.76% | — | — | 5th bottom |
| Loan Growth (Y/Y) | -4.07% | — | — | 9th bottom |
| Deposit Growth (Y/Y) | -3.63% | — | — | 9th bottom |
See First Seacoast Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Seacoast 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 Seacoast 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 Seacoast Bank peer analysis.