Kennebunk Savings Bank
Kennebunk, ME · Cert 13063 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Kennebunk Savings Bcorp MHC
SI · FDIC · 17 branches
Q2 2026
$2.2BAssets
$1.8BLoans
$1.7BDeposits
$190.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of banks $1B-$10B in assets operating regionally (rank 16 of 178).
- Widest gap: total risk-based capital ratio trails 90% of banks $1B-$10B in assets operating regionally (rank 160 of 178).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.85%
Rank 143 of 178
Net Interest Margin
3.37%
Rank 115 of 178
Efficiency Ratio
68.79%
Rank 141 of 178
Equity / Assets
8.78%
Rank 143 of 178
Non-interest income vs. expense
Unfavorable gap of $44.8M · efficiency ratio beats 21% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.91% | 1.25% | 1.53% | Beats 20% | 143 / 178 | |
| Return on Equity | 9.64% | 9.18% | 11.89% | 14.44% | Beats 30% | 124 / 178 | |
| Net Interest Margin | 3.37% | 3.22% | 3.56% | 3.91% | Beats 35% | 115 / 178 | |
| Efficiency Ratio | 68.79% | 52.04% | 58.90% | 67.10% | Beats 21% | 141 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.29% | 0.60% | 1.26% | Beats 92% | 16 / 178 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 86% | 26 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 11.19% | 12.72% | 14.14% | Beats 15% | 152 / 178 | |
| Total Risk-Based Capital Ratio | 10.56% | 11.91% | 13.63% | 15.33% | Beats 10% | 160 / 178 | |
| Equity / Assets | 8.78% | 9.12% | 10.35% | 11.80% | Beats 20% | 143 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 107.13% | 80.94% | 89.92% | 97.12% | 98th pctl | 4 / 178 | |
| Loans / Assets | 82.78% | 69.25% | 75.52% | 80.96% | 84th pctl | 28 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |