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 (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 | 0.62% | 0.65% | 0.64% | 0.81% | 0.68% | 0.70% | 0.98% | 1.17% | +36 bps | |
| Return on Equity | 4.96% | 5.13% | 6.31% | 8.32% | 7.16% | 7.40% | 10.48% | 12.49% | +418 bps | |
| Net Interest Margin | 2.77% | 2.79% | 3.20% | 3.30% | 3.31% | 3.31% | 3.33% | 3.36% | +6 bps | |
| Efficiency Ratio | 77.22% | 75.64% | 92.83% | 81.01% | 82.73% | 77.73% | 64.67% | 62.61% | -1,840 bps | |
| Non-Interest Burden | 2.09% | 2.06% | 2.93% | 2.66% | 2.73% | 2.55% | 2.08% | 1.98% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.30% | 7.68% | 144.03% | 137.65% | 139.51% | 144.37% | 7.12% | 8.17% | -12,949 bps | |
| Loan Growth (YoY) | 8.71% | 8.27% | 139.59% | 135.20% | 134.58% | 139.71% | 7.86% | 8.55% | -12,665 bps | |
| Deposit Growth (YoY) | 12.66% | 10.13% | 176.49% | 160.92% | 155.93% | 155.59% | 0.02% | 2.01% | -15,891 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.35% | 0.44% | 0.62% | 0.59% | 0.57% | 0.45% | 0.46% | -16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | 0.34% | 0.17% | +17 bps | |
| Allowance / Loans | 0.94% | 0.92% | 0.72% | 0.70% | 0.69% | 0.75% | 0.66% | 0.64% | -7 bps | |
| Allowance Coverage of NPLs | 3.4x | 2.6x | 1.6x | 1.1x | 1.2x | 1.3x | 1.5x | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.24% | 13.27% | 9.62% | 9.84% | 9.80% | 9.88% | 9.96% | 10.11% | +27 bps | |
| Total Risk-Based Capital | 13.24% | 13.27% | 9.62% | 9.84% | 9.80% | 9.88% | 9.96% | 10.11% | +27 bps | |
| Equity / Assets | 12.58% | 12.62% | 9.03% | 9.10% | 9.23% | 9.27% | 9.37% | 9.40% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.74% | 110.87% | 97.86% | 101.07% | 99.68% | 103.98% | 105.53% | 107.55% | +648 bps | |
| Liquid Assets / Assets | 0.20% | 0.13% | 1.37% | 1.16% | 1.23% | 1.17% | 2.13% | 2.40% | +124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 466% | 479% | 472% | n/a | n/a | |