Katahdin Trust Company
Patten, ME · Cert 12874 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 97 of 267).
- Widest gap: return on assets trails 78% of banks $1B-$10B in assets operating in a single state (rank 208 of 267).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.87%
Rank 208 of 267
Net Interest Margin
3.65%
Rank 97 of 267
Efficiency Ratio
68.38%
Rank 193 of 266
Equity / Assets
9.52%
Rank 179 of 267
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.93% | 1.23% | 1.55% | Beats 22% | 208 / 267 | | |
| Return on Equity | 9.19% | 9.16% | 11.84% | 14.56% | Beats 25% | 200 / 267 | | |
| Net Interest Margin | 3.65% | 3.12% | 3.50% | 3.88% | Beats 64% | 97 / 267 | | |
| Efficiency Ratio | 68.38% | 51.36% | 60.21% | 69.66% | Beats 28% | 193 / 266 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.19% | 0.46% | 0.89% | Beats 46% | 144 / 267 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.06% | Beats 37% | 170 / 267 | | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.29% | 13.05% | 15.13% | Beats 45% | 146 / 267 | | |
| Total Risk-Based Capital Ratio | 13.79% | 11.95% | 13.87% | 16.27% | Beats 48% | 138 / 267 | | |
| Equity / Assets | 9.52% | 9.18% | 10.29% | 11.76% | Beats 33% | 179 / 267 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.36% | 72.68% | 86.16% | 95.22% | 77th pctl | 62 / 267 | | |
| Loans / Assets | 80.36% | 62.46% | 71.96% | 78.38% | 81st pctl | 52 / 267 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |