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First National Bank
Damariscotta, ME·FDIC Cert #4256·Charter: OCC·Est. 18640419.0·HC: FIRST BCORP INC THE
Total Assets
$3.1B
Q4 2025
Return on Assets
1.13%
+0.07%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.34%
Peer avg: 58.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.13%+0.07
ROE
14.89%+0.61
Efficiency
52.34%-0.99
Equity/Assets
0.00%+0.00
NPL Ratio
0.57%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.86%+2.18
Charge-offs
0.07%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 | 1.0 | 1.1 | 1.1 |
| ROE | 11.7 | 11.8 | 12.6 | 12.8 | 13.1 | 13.7 | 14.3 | 14.9 |
| Efficiency | 61.7 | 59.1 | 58.3 | 57.1 | 57.0 | 54.8 | 53.3 | 52.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.2 | 0.3 | 0.3 | 0.5 | 0.6 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 84.3 | 86.2 | 84.5 | 85.0 | 86.9 | 87.5 | 86.7 | 88.9 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.7B
Total Loans$2.4B
Total Equity$254.2M
Profitability
ROA1.13%
ROE14.89%
Efficiency Ratio52.34%
Net Income$35.5M
Risk & Asset Quality
NPL Ratio0.57%
Charge-off Rate0.07%
Loan/Deposit88.86%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans