Sanford, ME · Cert 17115 · Sis Bcorp MHC
SI · FDIC · 11 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 3.3% share · #13 of 23 inst. · $0.7B 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 | 0.32% | 0.30% | 0.55% | 0.71% | 0.83% | 0.87% | 0.94% | 1.41%1 | +70 bps | |
| Return on Equity | 3.86% | 3.53% | 6.15% | 8.00% | 9.11% | 9.42% | 9.48% | 14.04% | +604 bps | |
| Net Interest Margin | 2.45% | 2.52% | 2.69% | 2.74% | 2.84% | 2.95% | 3.13% | 3.16% | +43 bps | |
| Efficiency Ratio | 84.98% | 83.81% | 82.29% | 79.40% | 77.46% | 76.66% | 74.96% | 75.22% | -418 bps | |
| Non-Interest Burden | 2.04% | 2.06% | 2.17% | 2.11% | 2.13% | 2.18% | 2.28% | 2.31% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | -4.55% | -1.49% | 0.67% | -0.59% | 2.16% | 0.81% | 0.78% | +11 bps | |
| Loan Growth (YoY) | -0.18% | -2.99% | -1.93% | -1.20% | -1.28% | -0.55% | -0.12% | 1.29% | +249 bps | |
| Deposit Growth (YoY) | 1.73% | 7.21% | -0.08% | 3.99% | -3.96% | -1.20% | 0.80% | 3.41% | -58 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.29% | 0.29% | 0.29% | 0.17% | 0.20% | 0.09% | 0.04% | -25 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.19% | 0.10% | 0.07% | 0.05% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 1.01% | 0.99% | 0.94% | 0.95% | 0.97% | 0.98% | 0.99% | 0.99% | +5 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.3x | 3.2x | 3.3x | 5.7x | 4.9x | 11.1x | 24.8x | +21.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.72% | 9.76% | 9.90% | 10.24% | 10.60% | 10.66% | 10.99% | +109 bps | |
| Total Risk-Based Capital | 14.16% | 14.90% | 14.78% | 14.82% | 15.28% | 15.67% | 15.80% | 15.80% | +98 bps | |
| Equity / Assets | 8.76% | 8.82% | 8.94% | 9.00% | 9.63% | 9.88% | 9.99% | 10.35% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.93% | 105.43% | 109.48% | 107.81% | 111.96% | 106.11% | 108.48% | 105.60% | -221 bps | |
| Liquid Assets / Assets | 1.74% | 1.35% | 1.53% | 2.41% | 1.53% | 1.28% | 1.39% | 1.45% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 267% | 262% | 268% | n/a | n/a | |