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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.70% | 0.57% | 0.67% | 0.86% | 0.91% | 0.88% | 0.87% | +21 bps | |
| Return on Equity | 7.75% | 8.34% | 6.89% | 7.86% | 9.95% | 10.18% | 9.93% | 9.96% | +210 bps | |
| Net Interest Margin | 3.13% | 3.29% | 3.17% | 3.25% | 3.52% | 3.54% | 3.43% | 3.44% | +19 bps | |
| Efficiency Ratio | 78.07% | 77.55% | 79.12% | 76.67% | 69.81% | 70.22% | 70.23% | 67.10% | -956 bps | |
| Non-Interest Burden | 2.29% | 2.40% | 2.38% | 2.34% | 2.26% | 2.27% | 2.21% | 2.10% | -24 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% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 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 | |