Gorham Savings Bank
Gorham, ME · Cert 17748 · Peer group: banks $1B-$10B in assets operating in a single state (n=280-281)
FDIC · 13 branches
Q4 2024
$1.6BAssets
$1.3BLoans
$1.4BDeposits
$116.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 53% of banks $1B-$10B in assets operating in a single state (rank 132 of 281).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets operating in a single state (rank 273 of 281).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.34%
Rank 243 of 281
Net Interest Margin
2.30%
Rank 233 of 281
Efficiency Ratio
90.74%
Rank 262 of 281
Equity / Assets
7.23%
Rank 262 of 281
Non-interest income vs. expense
Unfavorable gap of $33.5M · efficiency ratio beats 7% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.56% | 0.90% | 1.25% | Beats 14% | 243 / 281 | |
| Return on Equity | 4.65% | 6.02% | 9.54% | 12.57% | Beats 16% | 235 / 280 | |
| Net Interest Margin | 2.30% | 2.56% | 2.92% | 3.42% | Beats 17% | 233 / 281 | |
| Efficiency Ratio | 90.74% | 57.29% | 66.60% | 75.94% | Beats 7% | 262 / 281 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.14% | 0.36% | 0.76% | Beats 41% | 167 / 281 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.05% | 0.16% | Beats 53% | 132 / 281 | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.44% | 13.17% | 15.12% | Beats 3% | 272 / 281 | |
| Total Risk-Based Capital Ratio | 9.53% | 12.18% | 14.01% | 16.01% | Beats 3% | 273 / 281 | |
| Equity / Assets | 7.23% | 8.36% | 9.62% | 11.13% | Beats 7% | 262 / 281 | |
| Liquidity & Funding |
| Loans / Deposits | 91.69% | 73.71% | 85.86% | 95.66% | 63rd pctl | 103 / 281 | |
| Loans / Assets | 79.48% | 63.83% | 71.78% | 79.09% | 77th pctl | 65 / 281 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |