TellerScore

Headquartered in Damariscotta, Maine, First National Bank is a national bank with $3.2B in total assets and $2.7B in deposits as of Q2 2026. It operates 18 offices. Its charter dates back to 1864.

First National Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 16th. Problem-loan coverage contributes the most (87/100, 6.3%); capital cushion contributes the least (42/100, 9.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.20%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.75%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 89.5% · 17.2% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 64).

TellerScore
646566Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202465
Q1 202565
Q2 202565
Q3 202564
Q4 202564
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%7.10%9.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.42%
Q3 20248.39%
Q4 20248.32%
Q1 20258.40%
Q2 20258.47%
Q3 20258.62%
Q4 20258.82%
Q1 20269.08%
Q2 20269.20%
Noncurrent loans
0.12%0.43%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.13%
Q4 20240.23%
Q1 20250.28%
Q2 20250.27%
Q3 20250.46%
Q4 20250.57%
Q1 20260.70%
Q2 20260.75%
Return on assets
0.86%1.04%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.91%
Q4 20240.93%
Q1 20250.95%
Q2 20251.00%
Q3 20251.06%
Q4 20251.13%
Q1 20261.18%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$3.2B9.20%0.75%1.22%89.5%
Q1 202664$3.2B9.08%0.70%1.18%89.3%
Q4 202564$3.1B8.82%0.57%1.13%88.9%
Q3 202564$3.2B8.62%0.46%1.06%86.7%
Q2 202565$3.2B8.47%0.27%1.00%87.5%
Q1 202565$3.2B8.40%0.28%0.95%86.9%
Q4 202465$3.1B8.32%0.23%0.93%85.0%
Q3 202466$3.1B8.39%0.13%0.91%84.5%
Q2 202466$3.0B8.42%0.12%0.86%86.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.20%
17th
Total risk-based capital14.18%
56th
Problem loans0.75%
37th
Net charge-offs0.20%
19th
Return on assets1.22%
46th
Net interest margin2.82%
10th
Efficiency ratio51.2%
74th
Loans to deposits89.5%
43rd
Uninsured deposits17.2%
88th
Loan-loss reserves1.01%
33rd
Texas ratio6.3%
30th

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Maine Community BankBank Portland, ME67 out of 100, Moderate$3.0B10.1%0.46%vs
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Kennebunk Savings BankBank Kennebunk, ME69 out of 100, Moderate$2.2B10.6%0.10%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Androscoggin Savings BankBank Lewiston, ME66 out of 100, Moderate$1.8B10.8%0.48%vs

Deposit insurance

Is my money safe at First National Bank?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #4256). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.2% of deposits ($461.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.18% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

First National Bank lists 18 offices in 17 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank reported 905 home-loan applications under HMDA (LEI 5493002J7RM1JLAXN553): 722 originated ($181,650,000 total), 80 denied, and 95 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank
Former names
The First National Bank of Damariscotta; The First, N.A.
Type
National bank
FDIC certificate #
4256
RSSD ID
439404
Primary regulator
OCC
Holding company
First Bcorp Inc the
Established
April 19, 1864
Headquarters
223 Main St, Damariscotta, ME 04543
Employees
278

Quick answers

First National Bank: common questions

Is First National Bank FDIC insured?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #4256). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank ever failed?

There is no failure record for FDIC certificate #4256 in the FDIC failed bank list.

How many branches does First National Bank have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Damariscotta

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs