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
Unfavorable gap of $58.3M · efficiency ratio beats 34% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.93% | 1.23% | 1.54% | Beats 45% | 143 / 258 | | |
| Return on Equity | 12.11% | 9.26% | 11.84% | 14.74% | Beats 52% | 123 / 258 | | |
| Net Interest Margin | 3.36% | 3.16% | 3.49% | 3.88% | Beats 41% | 153 / 258 | | |
| Efficiency Ratio | 64.58% | 51.71% | 60.30% | 69.65% | Beats 34% | 170 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.19% | 0.46% | 0.90% | Beats 48% | 134 / 258 | | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.02% | 0.07% | Beats 22% | 202 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.11% | 11.41% | 12.98% | 15.12% | Beats 10% | 233 / 258 | | |
| Total Risk-Based Capital Ratio | 10.11% | 12.10% | 13.91% | 16.08% | Beats 9% | 235 / 258 | | |
| Equity / Assets | 9.40% | 9.09% | 10.24% | 11.72% | Beats 32% | 176 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.55% | 73.24% | 86.34% | 95.95% | 93rd pctl | 18 / 258 | | |
| Loans / Assets | 82.86% | 63.01% | 72.27% | 78.40% | 89th pctl | 28 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |