First National Bank
Damariscotta, ME
IDRSSD: 439404
Total Assets
$3.13B
Latest filing
Total Deposits
$2.67B
Latest filing
Net Interest Margin
2.84%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
223 Main St
Damariscotta, ME 04543
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/19/1864FDIC Certificate 2791
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 223 Main St | Damariscotta, ME |
| SOUTHWEST HARBOR BRANCH | 350 Main St | Southwest Harbor, ME |
| CALAIS BRANCH | 319 North St | Calais, ME |
| ELLSWORTH OFFICE | 194 Beechland Rd | Ellsworth, ME |
| EASTPORT BRANCH | 102 Washington St | Eastport, ME |
| NORTHEAST HARBOR BRANCH | 3 Summit Road | Northeast Harbor, ME |
| WALDOBORO BRANCH | 1471 Atlantic Hwy | Waldoboro, ME |
| BOOTHBAY HARBOR BRANCH | 77 Oak St | Boothbay Harbor, ME |
Showing 7 of 17
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/19/1864 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 04543 |
| State and County Number | 23015 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 268 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.thefirst.com |
| Data Updated | 01/30/2026 |
| CERT | 4256 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.13B |
| Total Deposits | $2.67B |
| Total Liabilities | $2.88B |
| Total Equity Capital | $254.23M |
| Net Income | $10.39M |
| Net Loans and Leases | $2.37B |
| Assets Per Employee ($Millions) | $11.26M |
| Bank Premises and Fixed Assets | $28.54M |
| Cash and Balances due from Depository Institutions | $31.90M |
| Deposits Held in Domestic Offices | $2.67B |
Key Performance Ratios
| Return on Assets (ROA) | 1.32% |
| Return on Equity (ROE) | 16.62% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 49.7% |
| Tier 1 Risk-Based Capital Ratio | 12.774% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.121% |
| Earning Assets to total Assets | 95.61% |
Income and Expense
| Total Interest Income | $40.97M |
| Total Noninterest Income | $4.50M |
| Total Interest Expense | $19.62M |
| Total Noninterest Expense | $12.85M |
| Net Interest Income | $21.35M |
| Pre-tax Net Operating Income | $12.72M |
| Provision for Credit Losses | $272.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $137.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $50.32M |
| All Other Liabilities | $22.89M |
| Total Liabilities and Capital | $3.13B |
Securities
| Securities | $620.41M |
| Available-for-sale debt securities | $264.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $356.07M |
| Subordinated Debt | $0 |
| Trading Account Assets | $4.31M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$3.13B as of the latest filing.
How much are First National Bank's total deposits?
$2.67B in total deposits.
Where is First National Bank located?
Damariscotta, ME.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
18.
When was it established?
04/19/1864.
What is the Return on Assets (ROA)?
1.32%.
How much are total loans and leases?
$2.37B (latest filing).
What is the total interest income (latest filing)?
$40.97M.