PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great Falls Regional

Lewiston, ME · Charter 10221

NCUA · 3 branches

Q2 2026

$66.0MAssets
$24.2MLoans
$57.1MShares
$8.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.42%, down 118 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.46% of loans (-2 bps YoY).
  • Capital: net worth / assets of 13.25%, up 60 bps from a year ago.
  • Funding: loans stand at 42.33% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.42%-118 bps YoY

Net Interest Margin (YTD, annualized)

3.99%-29 bps YoY

Efficiency Ratio (YTD, annualized)

90.19%+2,084 bps YoY

Net Worth / Assets

13.25%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.26%1.65%1.60%1.85%1.49%0.33%0.42%-118 bps
Return on Equity8.79%10.20%13.23%12.69%13.88%11.21%2.51%3.19%-950 bps
Net Interest Margin4.15%4.05%4.50%4.28%4.32%4.22%3.86%3.99%-29 bps
Efficiency Ratio77.23%73.66%69.77%69.35%65.30%70.58%92.59%90.19%+2,084 bps
Growth
Asset Growth (YoY)-0.93%2.37%3.80%5.75%7.14%4.76%3.97%2.47%-328 bps
Loan Growth (YoY)10.84%11.25%12.08%8.96%5.71%4.49%5.69%10.13%+117 bps
Share Growth (YoY)-2.03%0.19%3.22%4.73%6.43%5.88%3.40%1.82%-291 bps
Asset Quality
Delinquent Loans / Loans0.82%0.27%0.75%0.48%0.58%0.96%0.78%0.46%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.30%12.37%12.48%12.65%13.33%13.30%13.16%13.25%+60 bps
Net Worth / Assets12.30%12.37%12.48%12.65%13.33%13.30%13.16%13.25%+60 bps
Liquidity & Funding
Loans / Shares40.43%40.61%39.29%39.13%40.16%40.07%40.17%42.33%+320 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps