Gorham, ME · Cert 17748
FDIC · 13 branches
Q4 2024
Market Position · Portland-South Portland, ME · 2024 SOD (annual) · 6.4% share · #5 of 23 inst. · $1.3B of $21.1B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.19% | 0.28% | 0.36% | 0.33% | +1 bps | |
| Return on Equity | 4.89% | 2.73% | 4.09% | 5.08% | 4.67% | -23 bps | |
| Net Interest Margin | 2.29% | 2.18% | 2.21% | 2.31% | 2.30% | +1 bps | |
| Efficiency Ratio | 87.03% | 91.61% | 91.72% | 89.98% | 90.38% | +335 bps | |
| Non-Interest Burden | 1.94% | 1.96% | 1.99% | 2.03% | 2.04% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.79% | -0.29% | 0.89% | -0.82% | -3.64% | -743 bps | |
| Loan Growth (YoY) | 3.11% | 1.43% | 0.24% | -1.88% | -0.14% | -325 bps | |
| Deposit Growth (YoY) | -0.96% | -4.74% | -0.22% | -0.16% | 4.27% | +523 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.74% | 0.62% | 0.44% | 0.48% | -11 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.00% | -0.03% | -0.02% | -11 bps | |
| Allowance / Loans | 0.77% | 0.77% | 0.72% | 0.71% | 0.74% | -4 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.2x | 1.6x | 1.5x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.18% | 9.22% | 9.33% | 9.40% | 9.53% | +34 bps | |
| Total Risk-Based Capital | 9.18% | 9.22% | 9.33% | 9.40% | 9.53% | +34 bps | |
| Equity / Assets | 6.85% | 6.82% | 6.88% | 7.57% | 7.23% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.74% | 93.98% | 94.08% | 91.08% | 91.69% | -405 bps | |
| Liquid Assets / Assets | 3.09% | 3.38% | 3.49% | 1.59% | 0.91% | -218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |