PackageTrendsPeer
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Lincoln Maine

Lincoln, ME · Charter 17362

NCUA · 3 branches

Q2 2026

$162.8MAssets
$116.5MLoans
$142.6MShares
$19.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.97%, up 5 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.07% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.11%, up 15 bps from a year ago.
  • Funding: loans stand at 81.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.97%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+1 bps YoY

Efficiency Ratio (YTD, annualized)

51.31%-518 bps YoY

Net Worth / Assets

12.11%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.42%1.83%1.93%1.99%1.92%1.77%1.97%+5 bps
Return on Equity12.17%12.22%15.69%16.11%16.29%15.66%15.17%16.30%+19 bps
Net Interest Margin3.31%3.34%3.64%3.75%3.76%3.72%3.63%3.76%+1 bps
Efficiency Ratio65.03%63.40%56.14%56.49%54.07%52.96%51.55%51.31%-518 bps
Growth
Asset Growth (YoY)8.54%11.34%12.56%11.00%11.87%12.32%18.88%17.23%+622 bps
Loan Growth (YoY)14.49%16.67%16.63%12.50%12.23%11.04%9.32%8.91%-359 bps
Share Growth (YoY)8.06%11.43%12.67%10.78%11.33%11.58%19.12%17.27%+649 bps
Asset Quality
Delinquent Loans / Loans0.42%0.81%0.96%1.10%1.78%1.59%1.06%1.07%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.57%11.63%11.69%11.96%12.20%12.28%11.64%12.11%+15 bps
Net Worth / Assets11.57%11.63%11.69%11.96%12.20%12.28%11.64%12.11%+15 bps
Liquidity & Funding
Loans / Shares88.08%89.45%87.98%88.00%88.80%89.01%80.75%81.73%-627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps