Portland, ME · Cert 17741 · Maine Community Bcorp MHC
SI · FDIC · 23 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 9.1% share · #4 of 23 inst. · $2.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.46% | 0.73% | 0.98% | 1.36% | +51 bps | |
| Return on Equity | 9.40% | 4.98% | 7.91% | 10.48% | 14.47% | +507 bps | |
| Net Interest Margin | 3.40% | 3.44% | 3.44% | 3.33% | 3.45% | +5 bps | |
| Efficiency Ratio | 70.01% | 86.00% | 63.22% | 64.67% | 60.75% | -926 bps | |
| Non-Interest Burden | 2.39% | 2.96% | 2.11% | 2.08% | 1.92% | -46 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 / Loans | 0.62% | 0.59% | 0.57% | 0.45% | 0.46% | -16 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.03% | -0.01% | 0.34% | 0.02% | +2 bps | |
| Allowance / Loans | 0.70% | 0.69% | 0.75% | 0.66% | 0.64% | -7 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.3x | 1.5x | 1.4x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.84% | 9.80% | 9.88% | 9.96% | 10.11% | +27 bps | |
| Total Risk-Based Capital | 9.84% | 9.80% | 9.88% | 9.96% | 10.11% | +27 bps | |
| Equity / Assets | 9.10% | 9.23% | 9.27% | 9.37% | 9.40% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.07% | 99.68% | 103.98% | 105.53% | 107.55% | +648 bps | |
| Liquid Assets / Assets | 1.16% | 1.23% | 1.17% | 2.13% | 2.40% | +124 bps | |
| CRE / Total Capital | n/a | 466% | 479% | 472% | n/a | n/a | |