# FIRST NATIONAL BANK
DAMARISCOTTA, ME · FDIC certificate 4256 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.18B | |
| Deposits | $2.68B | |
| Loans and leases | $2.42B | |
| Total equity | $264.2M | |
| Loans / deposits | 89.50% (p58 of band) | 87.10% |
| Liquid assets / assets | 20.77% (p48 of band) | |
| Uninsured deposits / deposits | 17.20% (p12 of band) | 30.76% |
| Brokered deposits | 26.56% | |
| Wholesale funding | 33.29% (p97 of band) | |
| FHLB advances / assets | 4.90% | |
| Tier 1 leverage | 9.20% (p17 of band) | 10.50% |
| Unrealized securities loss / equity | -30.98% (p9 of band) | -7.75% |
| AOCI / equity | -0.42% (p41 of band) | |
| ROA (annualized) | 1.22% (p46 of band) | 1.26% |
| Net interest margin | 2.82% (p10 of band) | 3.70% |
| Efficiency ratio | 51.24% (p27 of band) | |
| Noncurrent loans | 0.75% (p63 of band) | 0.51% |
| Net charge-offs (annualized) | 0.15% (p82 of band) | |
| Reserve coverage of noncurrent | 135.93% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 25.79% (p24 of band) | |
| Auto loans | $1.9M (0.08% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 278 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 3 | deposits shrinking | brokered >10% |
| 2012-12 | 2 |  | deposits shrinking |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | brokered >10% |  |
| 2013-09 | 2 |  | brokered >10% |
| 2013-12 | 3 | brokered >10% |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | brokered >10% |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | deposits shrinking |  |
| 2015-06 | 2 | brokered >10% | reserve under noncurrent, deposits shrinking |
| 2015-09 | 2 | capital falling | brokered >10% |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | brokered >10% | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | capital falling |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | noncurrent p90 |  |
| 2020-03 | 3 |  | noncurrent p90 |
| 2020-06 | 3 | capital falling | reserve under noncurrent |
| 2020-09 | 2 |  | brokered >10% |
| 2020-12 | 2 | brokered >10% | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | brokered >10% |
| 2021-12 | 2 | brokered >10% |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 4 | AOCI drag >20% of equity |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | NIM <2.5% |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | capital falling |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | capital falling |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | NIM <2.5% |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [First National Bank celebrates new branch with ribbon cutting - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY0swM1owcnh1Ny1RNTZaeVFMMlNQbUNzT3B6RXp5NWw4VFZIWDlZbnRpUnR2S2FEZE1SbENYMkE5MzcxQVVONFppRG5MY09JVnpwMTd0LWo3eFJzWFhpTFdYSF84ODl2NndMX1hYemFXS3h6NHQ4bnA4U0k3ZmttMk5FMmxaTjR2eVVva2NNQzFISFQ4?oc=5) · SiouxFalls.Business
- 2026-07-27 [First National Bank Replaces Damariscotta Sign - The Lincoln County News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPQnRpQlBqcVNUcDFXT2JhQjNrUTN6ekJscDlMRUVwZmg5djVYWV9OOWZZbWloY2NIOGcwTFJDb3J0RGNSdFVzaHZvNWc2Tnp3ZVdqVEhXSmFfLWJDWElBMVFPQmNpYk5ZbENVMVJ1ZUdKTHE4VElsa3ZkaEt0RExPQ056dk1oeUxUVEw4?oc=5) · The Lincoln County News
- 2025-12-10 [Powers and Strang join First National Bank - Bangor Daily News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYlJUb1VlUVVVdTAwODBWT3N1TzExZEJHRWx4M2tuTnVzMHBhNmtBRkNaMDZERzF3Z1VVMUZuUGtvajhBdjdENW9nX25ScmZQb3NqTWo3OUVvdGRtN3Y5a3RCeGFSakQ5UWloaXhxMklLWFc3Ymg2VVdMdUhzRG80UGtHanZyRmNBMy0zbDgtUnJtWWxpS21qcHVpTXE?oc=5) · Bangor Daily News
- 2025-11-24 [Man orders teller to 'give me everything in your drawer' during York County, Pa. bank robbery, police say - WGAL](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOEEtOWJlTkhMNks4UG1rNllZemhFalBfWWJ3Z2FvUDlkUVpkSE9hU2VvWnk3NFRvMGhjbFVzVlNOMXhxT0pRYk1MRFRHeG1GZi1UTUpPQUlGckczalV0Y2hMYWpPUUpjYm9OV2pQREloMUVLSkp2M0kzSjI1T1pkeTkzbHQtd2FlbFNJY1Y3Y1FvRWF0MVNzd0o0V010UjYycEZz?oc=5) · WGAL
- 2026-01-30 [Trump’s First National Bank of Scams Is Coming - newrepublic.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5lcC1hWDh4SXRaN2pHT1c0amtLQW5ZNlh5TkE4eXkzTDdiUEZWdWMtSWQxd2JKTmFsMU9tUktFNEs4RFRnTFpDMmY3N2JpcUdnb3NaT0d6LU16MGEtRmROUVBUUmlHS3hiUkVoMkx3b25vWTJWZFNLbw?oc=5) · newrepublic.com
- 2026-04-28 [Bank employee stabbed during attempted robbery in River Falls - Bring Me The News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZkdOWEFKM1A0alJuME92OUJJaXd4cFptelBhaUlqOGJkY1JoUHY4S1RBekJEYUtTUmlvZTZzS3BxT2YwZEdWUEhlbG5XLW45cVRuSk1fNERldEp3emN0ZWVTbEdsMGk4NVNJWnpvMWEzZzdmeUxKMVRmYmVQb2EwZTNKZUVEdlNwYVRmWlJRVktjU3hlSUY1UDZ6aGljb1V2dTJva3NR?oc=5) · Bring Me The News
- 2026-07-15 [First National Bank Announces Retirement of 41-Year Employee - The Lincoln County News](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVlNUVHFkV0xXNjlwd1FfUFdXdlROcmN3eUxkUUhqZUtmUWhERTMxOXp2dzZJWElLcWtQNDdieU55SU1ybmxEUkcxcmVCRl9FSWV0eVFMQ25zZFhVcGtvMWMxaDlnU0pPMnNKdlM2ak9OdG9tcmZZWjBKR1U5UjZzYUFjeW1SbmVFWjJTYU8xY1l4SkFacEVYUjFzWQ?oc=5) · The Lincoln County News
- 2025-11-17 [First National Bank Bonus Offers for 2025 - GOBankingRates](https://news.google.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?oc=5) · GOBankingRates

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4256 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "4256", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide