First Seacoast Bancorp is the holding company for First Seacoast Bank, a federally chartered savings bank headquartered in Dover, New Hampshire, serving the Seacoast region of New Hampshire and southern Maine since 1890. The bank operates five branches in southeastern New Hampshire and focuses on traditional community banking: taking local deposits and deploying them into loans. The bank's $419.5M loan portfolio is dominated by one-to-four family residential mortgages (63%), with commercial real estate (19%) and C&I loans (5%) making up much of the rest. First Seacoast has been deliberately shifting its mix toward commercial real estate and C&I to diversify and improve yields. The bank makes money primarily through net interest income — the spread between what it earns on loans and securities and what it pays on deposits and borrowings. Deposits totaled $470.8M at year-end 2025, with core deposits representing 68% of the total. The bank requires commercial borrowers to maintain primary deposit accounts with First Seacoast, helping tie deposit relationships to its commercial lending franchise. Credit quality is strong, with non-performing loans at just 0.11% of total loans. First Seacoast also operates FSB Wealth Management, a small division with two financial advisors managing roughly $153.5M in assets, though this is a minor contributor to overall results.