First National Bank (FDIC #4256): Bank Stress & Real-Estate Credit Exposure

First National Bank (FDIC Cert #4256): bank stress 72/100, elevated, STABLE over 7 days; parent FIRST BCORP INC THE.

First National Bank (#4256) lends in 6 counties across 1 state; First National Bank (#4256) reaches 181 ZIP codes: Maine 6 counties, 181 ZIPs.

First National Bank (#4256) largest markets: Penobscot County, ME (94 branches, 47 ZIPs) (#4256), Hancock County, ME (205 branches, 41 ZIPs) (#4256), Washington County, ME (62 branches, 31 ZIPs) (#4256), Lincoln County, ME (108 branches, 27 ZIPs) (#4256), Knox County, ME (76 branches, 19 ZIPs) (#4256), Waldo County, ME (18 branches, 18 ZIPs) (#4256).

First National Bank (#4256) reports $3.18 billion in total assets; First National Bank (#4256) equity $264.2 million (8.3% of First National Bank (#4256) assets); First National Bank (#4256) domestic deposits $2.68 billion; First National Bank (#4256) net income $19.2 million; First National Bank (#4256) return on assets 1.22%; First National Bank (#4256) return on equity 14.86%; First National Bank (#4256) net interest income $42.5 million; First National Bank (#4256) call report June 30, 2026.

First National Bank (#4256) noncurrent real-estate loans 0.13% of its book; First National Bank (#4256) multifamily 1.61%; First National Bank (#4256) net charge-offs on real estate 0.82%; First National Bank (#4256) residential charge-offs 0.85%.

First National Bank (#4256) net interest margin 2.82% against an eight-quarter First National Bank (#4256) average of 2.50% (First National Bank (#4256) compression -0.31 points); First National Bank (#4256) real-estate loans 12.6% of equity; First National Bank (#4256) non-residential real estate 84.5% of equity; First National Bank (#4256) rate-exposure score 40/100, First National Bank (#4256) fixed-rate trap 40/100; First National Bank (#4256) risk type credit driven; First National Bank (#4256) rate regime rates elevated, First National Bank (#4256) snapshot October 19, 2026.

First National Bank (#4256) stress score moved from 71.9 on June 22, 2026 to 72.2 on October 19, 2026; First National Bank (#4256) ranged 71.9 to 72.2 over 116 snapshots.

First National Bank (#4256) alerts: 6 counties; top First National Bank (#4256) alert scores: Belfast County, ME 27 (low); Brewer County, ME 27 (low); Eastport County, ME 27 (low); Rockport County, ME 27 (low); Southwest Harbor County, ME 27 (low).