Total Assets
$600M
Total balance-sheet footings
FDIC Cert #29744 · Dover, New Hampshire · Est. 1890
First Seacoast Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $600M
- Total assets
- C
- Health grade · Fair
- -0.14%
- Return on assets
- 14.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Seacoast Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 14.56% Tier 1, -0.14% ROA, 109% efficiency ratio.
- #1,569
- largest of 4,313 FDIC banks by assets
- 64th
- percentile by asset size, nationally
- 14.56%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Seacoast Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Seacoast Bank's composite health score
Tier 1 Capital Ratio (14.56%) 35/40
Return on Assets (ROA) (-0.14%) 0/25
Texas Ratio (0.95%) 20/20
Efficiency Ratio (109.37%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$489M
Customer-funded liabilities
Net Loans
$416M
Outstanding loan book
Net Income
$-840K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Seacoast Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Seacoast Bank's score of 55/100 falls in the highlighted band.
First Seacoast Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Seacoast Bank's $600M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.56%
Texas Ratio
0.95%
Equity Capital
$47M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.14%
Return on Equity (ROE)
-1.84%
Efficiency Ratio
109.37%
What the numbers say about First Seacoast Bank
First Seacoast Bank is an FDIC-insured institution (Certificate #29744) headquartered in Dover, New Hampshire, established in 1890. It holds $600M in total assets - 1,569th of 4,313 FDIC-insured banks, $489M in customer deposits, and $416M in net loans. Its capital position: a Tier 1 ratio of 14.56%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.95% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Seacoast Bank sits 10th of 17 banks headquartered in New Hampshire by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$27M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Seacoast Bank reports a Texas Ratio of 0.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Seacoast Bank
First Seacoast Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-840K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Seacoast Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New Hampshire by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Seacoast Bank (FDIC Cert #29744) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Mascoma BankLebanon | $3.0B | C | 0.52% |
| Bank of New HampshireLaconia | $2.7B | B | 0.92% |
| Bank of New EnglandSalem | $1.8B | A | 2.28% |
| Meredith Village Savings BankMeredith | $1.6B | C | 0.43% |
| Merrimack County Savings BankConcord | $1.4B | C | 0.27% |
| Franklin Savings BankFranklin | $917M | B | 0.77% |
| Savings Bank of WalpoleWalpole | $839M | B | 0.78% |
| Primary BankBedford | $723M | A | 1.62% |
Frequently asked questions
What is First Seacoast Bank's health grade?▼
First Seacoast Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Seacoast Bank?▼
First Seacoast Bank holds $600M in total assets and $489M in deposits, ranking 1,569th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dover, New Hampshire.
Is my money safe at First Seacoast Bank?▼
Yes, deposits at First Seacoast Bank (Certificate #29744) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Seacoast Bank's Tier 1 Capital Ratio?▼
First Seacoast Bank has a Tier 1 Capital Ratio of 14.56%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Seacoast Bank?▼
First Seacoast Bank has a Texas Ratio of 0.95%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Seacoast Bank?▼
First Seacoast Bank has an Efficiency Ratio of 109.37%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Seacoast Bank's profile as a depositor or analyst.
- First Seacoast Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Seacoast Bank against other New Hampshire banks before moving funds. New Hampshire banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.