First Seacoast Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.83 percentage points higher than in Q1 2026, at 89.35%. On return on assets, First Seacoast Bank is 2nd from the bottom among 16 New Hampshire banks, 0.17% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, First Seacoast Bank reported 0.17% on return on assets in Q2 2026, 1.09 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.90% |
| Tier 1 risk-based capital ratio | 14.90% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 8.92% |
| Equity capital to assets | 8.21% |
| Tangible equity to tangible assets | 8.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.25% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 2678.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.17% |
| Return on equity | 2.14% |
| Net interest margin | 2.60% |
| Efficiency ratio | 98.14% |
| Yield on earning assets | 4.51% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.35% |
| Core deposits to total deposits | 82.96% |
| Brokered deposits to total deposits | 12.06% |
| Deposits to assets | 81.92% |
| Securities to assets | 23.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.88% | 16.88% | 17.92% | 11.12% | -0.66% |
| Q4 2023 | 14.27% | 14.27% | 15.31% | 9.19% | -6.84% |
| Q1 2024 | 13.85% | 13.85% | 14.87% | 8.81% | -0.80% |
| Q2 2024 | 14.51% | 14.51% | 15.53% | 9.08% | 1.38% |
| Q3 2024 | 14.64% | 14.64% | 15.66% | 9.05% | 0.04% |
| Q4 2024 | 14.52% | 14.52% | 15.55% | 8.69% | -0.94% |
| Q1 2025 | 14.15% | 14.15% | 15.16% | 8.68% | -0.40% |
| Q2 2025 | 14.20% | 14.20% | 15.23% | 8.45% | -0.36% |
| Q3 2025 | 14.48% | 14.48% | 15.53% | 8.44% | 0.25% |
| Q4 2025 | 14.56% | 14.56% | 15.60% | 8.41% | -0.06% |
| Q1 2026 | 14.72% | 14.72% | 15.77% | 8.67% | -0.34% |
| Q2 2026 | 14.90% | 14.90% | 15.96% | 8.92% | 0.17% |
First Seacoast Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Seacoast Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Seacoast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29744) · FFIEC NIC profile (RSSD 119872)