FIRST SEACOAST BANK

DOVER, NH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1890FDIC #29,744

Outstanding Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.34%

Institution Profile

FDIC BankFind

Website

www.firstseacoastbank.com

Address

633 Central Ave, DOVER, NH

County

Strafford County

Established

January 1, 1890

Total Assets

$589M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 6, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$589M

Total Deposits

$478M

Net Loans

$415M

Net Income

$-509K

ROA

-0.34%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.37%

Risk-Based Capital

15.77%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.34%Peer avg: 0.44%▼ Below avg

Risk-Based Capital15.77%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate13.21%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$490M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	106	61.32%	13.21%
2023	115	65.22%	11.30%
2022	203	57.14%	18.23%
2021	311	59.16%	9.97%
2020	372	65.32%	8.33%
2019	252	65.87%	13.10%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2024	Outstanding	Intermediate Small Bank
Jul 2021	Outstanding	Intermediate Small Bank
Jul 2018	Satisfactory	Intermediate Small Bank

1 previous rating locked — back to 2015

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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