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First National Bank
Damariscotta, ME · FDIC Certificate #4256 · Chartered 04/1
Total assets
$3.18B
Total deposits
$2.68B
Total equity
$264.17M
Net loans
$2.40B
Branches (offices)
18
Net income (YTD)
$19.23M
Rank: #406 of 4,213 U.S. banks by assets · #5 of 22 in Maine. Assets changed 0.5% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 14.86% |
| Net interest margin (YTD) | 2.82% |
| Equity to assets | 8.31% |
| Tier 1 leverage ratio | 9.20% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 89.5% |
| Real estate loans (share of loans) | 79.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.90B | 79.3% | |
| Commercial & industrial | $392.20M | 16.3% | |
| Consumer / individual | $20.04M | 0.8% | |
| Construction & development | $68.13M | 2.8% | |
| Agricultural | $45.20M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.60B | $2.25B | $20.15M | $198.92M |
| Jun 2023 | $2.84B | $2.50B | $15.86M | $203.54M |
| Jun 2024 | $3.05B | $2.58B | $12.72M | $216.00M |
| Jun 2025 | $3.16B | $2.71B | $15.75M | $236.73M |
| Jun 2026 | $3.18B | $2.68B | $19.23M | $264.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $2.68B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.68B.
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Unity Bank ($3.18B) · 1St Security Bank Of Washington ($3.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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