Piscataqua Savings Bank vs First Seacoast Bank
Side-by-side bank health comparison using FDIC financial data
Piscataqua Savings Bank (A) and First Seacoast Bank (A) are close on the BankHealth rubric. Asset bases: $365M versus $602M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Piscataqua Savings Bank has a stronger Bank Health Score of 87/100 (A) compared to First Seacoast Bank at 87/100 (A), a difference of 0 points. Piscataqua Savings Bank holds a Tier 1 capital ratio of 14.6% and an NPL ratio of 0.52%.
| Metric | Piscataqua Savings Bank | First Seacoast Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 87/100 (A) | 87/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.6%* | 14.5% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.5% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 37.5%* | 25.1% |
| Return on Assets Profitability metric (above 1% is strong) | -0.3% | 0.5%* |
| Total Assets | $365M | $602M |
| Total Deposits | $300M | $471M |
| Location | Portsmouth, New Hampshire | Dover, New Hampshire |
Piscataqua Savings Bank has a stronger Bank Health Score of 87/100 (A) compared to First Seacoast Bank at 87/100 (A), a difference of 0 points. Piscataqua Savings Bank holds a Tier 1 capital ratio of 14.6% and an NPL ratio of 0.52%.