Patten, ME · Cert 12874 · Katahdin Bankshares Corp.
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Bangor, ME · 2026 SOD (annual) · 7.9% share · #5 of 9 inst. · $0.4B of $4.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.86% | 0.91% | 0.94% | 0.96% | 1.01% | 0.92% | 0.90% | -4 bps | |
| Return on Equity | 8.57% | 8.44% | 10.07% | 10.27% | 10.38% | 10.81% | 9.47% | 9.27% | -100 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.46% | 3.50% | 3.57% | 3.52% | 3.70% | 3.65% | +16 bps | |
| Efficiency Ratio | 71.77% | 71.59% | 72.11% | 71.57% | 70.08% | 69.29% | 69.04% | 68.38% | -319 bps | |
| Non-Interest Burden | 2.25% | 2.25% | 2.34% | 2.36% | 2.35% | 2.29% | 2.40% | 2.34% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 4.45% | 5.33% | 4.71% | 3.91% | 3.82% | 3.13% | 6.68% | +197 bps | |
| Loan Growth (YoY) | 3.33% | 3.21% | 6.96% | 3.82% | 4.00% | 5.27% | 3.52% | 9.92% | +609 bps | |
| Deposit Growth (YoY) | -0.58% | 4.07% | 6.05% | 8.43% | 5.74% | 3.35% | 2.50% | 3.32% | -512 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.17% | 0.16% | 0.16% | 0.71% | 0.70% | 0.52% | 0.48% | +32 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | 0.07% | +6 bps | |
| Allowance / Loans | 0.96% | 1.01% | 1.00% | 0.98% | 1.00% | 0.98% | 0.95% | 0.96% | -2 bps | |
| Allowance Coverage of NPLs | 5.0x | 6.0x | 6.1x | 6.0x | 1.4x | 1.4x | 1.8x | 2.0x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.02% | 9.58% | 9.61% | 9.75% | 9.94% | 9.85% | 10.15% | 10.00% | +25 bps | |
| Total Risk-Based Capital | 16.27% | 14.01% | 15.56% | 14.31% | 14.46% | 14.53% | 14.41% | 13.79% | -52 bps | |
| Equity / Assets | 10.84% | 8.93% | 9.22% | 9.26% | 9.69% | 9.69% | 9.79% | 9.52% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.25% | 88.54% | 91.76% | 90.57% | 90.72% | 90.18% | 92.67% | 96.36% | +578 bps | |
| Liquid Assets / Assets | 0.90% | 2.65% | 0.55% | 1.28% | 0.54% | 2.21% | 0.35% | 0.39% | -90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 387% | 393% | 395% | n/a | n/a | |