Is First Seacoast Bank Safe?
First Seacoast Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while profitability is its weakest area (38/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.51% | 96/100 |
| Nonperforming Loan Ratio | 0.03% | 99/100 |
| Liquidity Ratio | 25.13% | 81/100 |
| Return on Assets | 0.46% | 38/100 |
| Total Assets | $0.6B | |
How does First Seacoast Bank compare?
With a Bank Health Score of 87/100, First Seacoast Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within New Hampshire, where 19 FDIC-insured banks are headquartered, First Seacoast Bank ranks above the state average of 68/100 (Grade B).
The bank's Tier 1 capital ratio of 14.51% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.03% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Seacoast Bank's Bank Health Score improved by 7.0 points to 87/100. Tier 1 capital weakened by 2.38 percentage points to 14.51%. Quarter-over-quarter, the score rose by 8.0 points.
First Seacoast Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while profitability is its weakest area (38/100).