Katahdin Trust Company
Patten, ME · Cert 12874 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Katahdin Bankshares Corp.
State charter, non-member · FDIC · 17 branches
Q2 2026
$1.2BAssets
$930.7MLoans
$965.9MDeposits
$110.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 94 of 258).
- Widest gap: return on assets trails 78% of banks $1B-$10B in assets operating in a single state (rank 202 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.87%
Rank 202 of 258
Net Interest Margin
3.65%
Rank 94 of 258
Efficiency Ratio
68.38%
Rank 187 of 257
Equity / Assets
9.52%
Rank 171 of 258
Non-interest income vs. expense
Unfavorable gap of $26.8M · efficiency ratio beats 28% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.93% | 1.23% | 1.54% | Beats 22% | 202 / 258 | |
| Return on Equity | 9.19% | 9.26% | 11.84% | 14.74% | Beats 24% | 195 / 258 | |
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 64% | 94 / 258 | |
| Efficiency Ratio | 68.38% | 51.71% | 60.30% | 69.65% | Beats 28% | 187 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.19% | 0.46% | 0.90% | Beats 46% | 141 / 258 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 39% | 159 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.41% | 12.98% | 15.12% | Beats 45% | 141 / 258 | |
| Total Risk-Based Capital Ratio | 13.79% | 12.10% | 13.91% | 16.08% | Beats 48% | 134 / 258 | |
| Equity / Assets | 9.52% | 9.09% | 10.24% | 11.72% | Beats 34% | 171 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 96.36% | 73.24% | 86.34% | 95.95% | 76th pctl | 62 / 258 | |
| Loans / Assets | 80.36% | 63.01% | 72.27% | 78.40% | 81st pctl | 50 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |