Kennebunk, ME · Cert 13063 · Kennebunk Savings Bcorp MHC
SI · FDIC · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
89
Profitability
27
Liquidity
0
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kennebunk, ME · Cert 13063 · Kennebunk Savings Bcorp MHC
SI · FDIC · 17 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 5.9% share · #6 of 23 inst. · $1.3B of $22.8B
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 | 0.46% | 0.52% | 0.57% | 0.62% | 0.70% | 0.75% | 0.88% | 0.88% | +26 bps | |
| Return on Equity | 5.66% | 6.39% | 6.89% | 7.39% | 8.27% | 8.77% | 9.93% | 9.93% | +253 bps | |
| Net Interest Margin | 2.87% | 2.96% | 3.17% | 3.18% | 3.26% | 3.27% | 3.43% | 3.37% | +18 bps | |
| Efficiency Ratio | 83.74% | 82.05% | 79.12% | 77.87% | 74.98% | 73.69% | 70.23% | 68.64% | -923 bps | |
| Non-Interest Burden | 2.30% | 2.31% | 2.38% | 2.34% | 2.29% | 2.24% | 2.21% | 2.11% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 2.28% | 5.19% | 4.58% | 6.01% | 7.93% | 10.65% | 12.37% | +779 bps | |
| Loan Growth (YoY) | 4.94% | 5.85% | 6.99% | 6.03% | 8.44% | 9.79% | 12.87% | 15.34% | +931 bps | |
| Deposit Growth (YoY) | -0.77% | 1.73% | 2.39% | 2.17% | 2.62% | 0.12% | 3.65% | 2.23% | +6 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.07% | 0.16% | 0.15% | 0.14% | 0.15% | 0.10% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.10% | 1.08% | 1.11% | 1.11% | 1.09% | 1.10% | +1 bps | |
| Allowance Coverage of NPLs | 32.8x | 35.2x | 16.3x | 6.9x | 7.6x | 7.7x | 7.1x | 10.6x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 10.82% | 10.86% | 10.85% | 10.88% | 10.87% | 10.78% | 10.56% | -30 bps | |
| Total Risk-Based Capital | 10.70% | 10.82% | 10.86% | 10.85% | 10.88% | 10.87% | 10.78% | 10.56% | -30 bps | |
| Equity / Assets | 8.54% | 8.20% | 8.44% | 8.55% | 8.78% | 9.01% | 8.83% | 8.78% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.53% | 92.42% | 95.02% | 94.95% | 94.61% | 101.35% | 103.47% | 107.13% | +1,218 bps | |
| Liquid Assets / Assets | 1.04% | 1.39% | 1.70% | 1.63% | 1.31% | 1.29% | 1.53% | 1.53% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 492% | 501% | 514% | n/a | n/a | |
Kennebunk, ME · Cert 13063 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Kennebunk Savings Bcorp MHC
SI · FDIC · 17 branches
Q2 2026
Return on Assets
0.85%
Rank 145 of 176
Net Interest Margin
3.37%
Rank 119 of 176
Efficiency Ratio
68.79%
Rank 138 of 176
Equity / Assets
8.78%
Rank 143 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.93% | 1.26% | 1.54% | Beats 18% | 145 / 176 | ||
| Return on Equity | 9.64% | 9.26% | 11.89% | 14.46% | Beats 30% | 123 / 176 | ||
| Net Interest Margin | 3.37% | 3.25% | 3.59% | 3.93% | Beats 32% | 119 / 176 | ||
| Efficiency Ratio | 68.79% | 52.79% | 59.55% | 67.66% | Beats 22% | 138 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.30% | 0.64% | 1.32% | Beats 91% | 16 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 87% | 23 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.56% | 11.15% | 12.72% | 14.15% | Beats 16% | 148 / 176 | ||
| Total Risk-Based Capital Ratio | 10.56% | 11.81% | 13.63% | 15.33% | Beats 11% | 156 / 176 | ||
| Equity / Assets | 8.78% | 9.16% | 10.35% | 11.80% | Beats 19% | 143 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.13% | 80.94% | 89.73% | 97.21% | 98th pctl | 4 / 176 | ||
| Loans / Assets | 82.78% | 69.25% | 75.12% | 80.82% | 85th pctl | 26 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||