BlastPoint's Banking Scorecard
First Seacoast Bank
Community
Specialty: Mortgage
NH
FDIC cert 29744
Dover, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
First Seacoast Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20% in Community
- - Efficiency Drag: Bottom 70% in Community
- - Return on Assets 1.30% below tier
- - Net Interest Margin 1.27% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$599.5M
+3.2% YoY
-1.7% QoQ
|
-$792.0M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$416.3M
-4.1% YoY
-3.2% QoQ
|
-$559.2M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$488.6M
+3.4% YoY
-2.1% QoQ
|
-$676.0M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
-0.14%
-68.6% YoY
+16.4% QoQ
|
-1.30% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.39%
+13.3% YoY
+2.0% QoQ
|
-1.27% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
109.37%
+9.3% YoY
-1.8% QoQ
|
+46.74% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.11%
+154.5% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
85.20%
-7.3% YoY
-1.1% QoQ
|
+2.14% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
17.91%
+5.3% YoY
+0.7% QoQ
|
-3.14% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.08%
+150.6% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.56%
+0.3% YoY
+0.5% QoQ
|
+4.31% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.27%
-59.0% YoY
+31.6% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#11 of 371 · Top 3% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#161 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#106 of 152 · Bottom 70% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
109.37%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.14%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.39%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.56% · Tier avg: 10.24%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.20% · Tier avg: 83.06%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.91% · Tier avg: 21.05%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
17
17th pctile
Total Loans
Current: $416.3M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $599.5M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $488.6M · Tier avg: $1.2B
4
4th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.66%
2
2th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 109.37% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 109.37% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.16%
4
4th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.66%
11
11th pctile
Total Deposits
Current: $488.6M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $599.5M · Tier avg: $1.4B
17
17th pctile
Total Loans
Current: $416.3M · Tier avg: $975.5M
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.91% · Tier avg: 21.05%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.20% · Tier avg: 83.06%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.56% · Tier avg: 10.24%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%