Kennebunk Savings Bank
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
$2.2BAssets
$1.8BLoans
$1.7BDeposits
$190.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets operating regionally (rank 16 of 176).
- Widest gap: total risk-based capital ratio trails 89% of banks $1B-$10B in assets operating regionally (rank 156 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $44.8M · efficiency ratio beats 22% of banks $1B-$10B in assets operating regionally | 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 |