PackageTrendsPeer
Letter portraitLegal landscape

Maine Community Bank

Portland, ME · Cert 17741 · Maine Community Bcorp MHC

SI · FDIC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Maine Community Bank

Portland, ME · Cert 17741 · Maine Community Bcorp MHC

SI · FDIC · 23 branches

Q2 2026

$3.0BAssets
$2.5BLoans
$2.3BDeposits
$280.5MEquity
Loan mix
91%RE $2.1B9%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.8B20%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.65%Q2 ’245.19%Q2 ’255.13%Q2 ’26+19%+2%

Non-interest income vs. expense

2.35%Q2 ’243.07%Q2 ’252.48%Q2 ’26+24%-25%

Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 9.1% share · #4 of 23 inst. · $2.1B of $22.8B

10.0% Cumberland
7.8% York
11.1% Androscoggin

Executive Summary

  • Earnings: ROA of 1.17%, up 36 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.46% of loans (-16 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.11%, up 27 bps from a year ago.
  • Funding: loans stand at 107.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+6 bps YoY

Efficiency Ratio (YTD, annualized)

62.61%-1,840 bps YoY

Tier 1 Leverage Ratio

10.11%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.68%0.70%0.98%1.17%+36 bps
Return on Equity8.32%7.16%7.40%10.48%12.49%+418 bps
Net Interest Margin3.30%3.31%3.31%3.33%3.36%+6 bps
Efficiency Ratio81.01%82.73%77.73%64.67%62.61%-1,840 bps
Non-Interest Burden2.66%2.73%2.55%2.08%1.98%-68 bps
Growth
Asset Growth (YoY)137.65%139.51%144.37%7.12%8.17%-12,949 bps
Loan Growth (YoY)135.20%134.58%139.71%7.86%8.55%-12,665 bps
Deposit Growth (YoY)160.92%155.93%155.59%0.02%2.01%-15,891 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.59%0.57%0.45%0.46%-16 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.34%0.17%+17 bps
Allowance / Loans0.70%0.69%0.75%0.66%0.64%-7 bps
Allowance Coverage of NPLs1.1x1.2x1.3x1.5x1.4x+0.2x
Capital
Tier 1 Leverage Ratio9.84%9.80%9.88%9.96%10.11%+27 bps
Total Risk-Based Capital9.84%9.80%9.88%9.96%10.11%+27 bps
Equity / Assets9.10%9.23%9.27%9.37%9.40%+30 bps
Liquidity & Funding
Loans / Deposits101.07%99.68%103.98%105.53%107.55%+648 bps
Liquid Assets / Assets1.16%1.23%1.17%2.13%2.40%+124 bps
CRE / Total Capitaln/a466%479%472%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Maine Community Bank

Portland, ME · Cert 17741 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Maine Community Bcorp MHC

SI · FDIC · 23 branches

Q2 2026

$3.0BAssets
$2.5BLoans
$2.3BDeposits
$280.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 52% of banks $1B-$10B in assets operating in a single state (rank 123 of 258).
  • Widest gap: total risk-based capital ratio trails 91% of banks $1B-$10B in assets operating in a single state (rank 235 of 258).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.14%

Rank 143 of 258

Net Interest Margin

3.36%

Rank 153 of 258

Efficiency Ratio

64.58%

Rank 170 of 257

Equity / Assets

9.40%

Rank 176 of 258

Non-interest income vs. expense

$14.6M$72.9MINCOMEEXPENSE
Unfavorable gap of $58.3M · efficiency ratio beats 34% of banks $1B-$10B in assets operating in a single state
Bank 64.58%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.93%1.23%1.54%Beats 45%143 / 258
Return on Equity12.11%9.26%11.84%14.74%Beats 52%123 / 258
Net Interest Margin3.36%3.16%3.49%3.88%Beats 41%153 / 258
Efficiency Ratio64.58%51.71%60.30%69.65%Beats 34%170 / 257
Asset Quality
Nonperforming Loans / Loans0.46%0.19%0.46%0.90%Beats 48%134 / 258
Net Charge-Offs / Loans0.09%0.01%0.02%0.07%Beats 22%202 / 258
Capital
Tier 1 Capital Ratio10.11%11.41%12.98%15.12%Beats 10%233 / 258
Total Risk-Based Capital Ratio10.11%12.10%13.91%16.08%Beats 9%235 / 258
Equity / Assets9.40%9.09%10.24%11.72%Beats 32%176 / 258
Liquidity & Funding
Loans / Deposits107.55%73.24%86.34%95.95%93rd pctl18 / 258
Loans / Assets82.86%63.01%72.27%78.40%89th pctl28 / 258
Brokered Deposits / Depositsn/aNot reported for this institution