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Androscoggin Savings Bank

Lewiston, ME · Cert 17751 · Androscoggin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Androscoggin Savings Bank

Lewiston, ME · Cert 17751 · Androscoggin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$1.8BAssets
$1.5BLoans
$1.4BDeposits
$189.8MEquity
Loan mix
89%RE $1.3B10%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $1.2B14%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Lewiston-Auburn, ME · 2026 SOD (annual) · 36.4% share · #1 of 9 inst. · $0.8B of $2.1B

36.4% Androscoggin
2.9% Cumberland
14.0% Franklin
6.8% Oxford

Executive Summary

  • Earnings: ROA of 0.67%, up 22 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.48% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.76%, up 26 bps from a year ago.
  • Funding: loans stand at 103.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+21 bps YoY

Efficiency Ratio (YTD, annualized)

73.92%-553 bps YoY

Tier 1 Leverage Ratio

10.76%+26 bps YoY

NIM

4.57%Q2 ’244.60%Q2 ’254.83%Q2 ’26+5%+8%

Non-interest income vs. expense

2.41%Q2 ’242.43%Q2 ’252.49%Q2 ’26+4%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.42%0.36%0.46%0.50%0.55%0.55%0.67%+22 bps
Return on Equity5.01%4.88%4.10%4.95%5.30%5.75%5.38%6.47%+151 bps
Net Interest Margin2.51%2.56%2.68%2.64%2.72%2.69%2.76%2.85%+21 bps
Efficiency Ratio80.90%81.40%82.80%79.45%77.70%76.55%76.01%73.92%-553 bps
Non-Interest Burden1.93%1.99%2.14%2.01%2.00%1.94%1.97%1.96%-4 bps
Growth
Asset Growth (YoY)5.38%4.25%3.83%8.28%6.86%10.13%5.02%0.04%-824 bps
Loan Growth (YoY)6.87%5.68%5.90%8.26%7.84%8.47%5.37%1.39%-687 bps
Deposit Growth (YoY)0.94%1.48%1.91%4.44%4.94%10.74%6.81%4.19%-25 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.19%0.19%0.17%0.31%0.33%0.62%0.48%+31 bps
Net Charge-Offs / Loans0.00%-0.02%-0.01%-0.01%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.95%0.94%0.94%0.96%0.96%0.97%0.99%+5 bps
Allowance Coverage of NPLs2.2x4.9x4.9x5.6x3.0x2.9x1.6x2.1x-3.6x
Capital
Tier 1 Leverage Ratio9.52%9.58%9.65%10.50%10.62%10.33%10.77%10.76%+26 bps
Total Risk-Based Capital12.66%12.60%12.39%13.92%13.93%13.82%13.94%14.19%+27 bps
Equity / Assets8.77%8.79%8.85%9.95%10.09%10.05%10.48%10.76%+81 bps
Liquidity & Funding
Loans / Deposits104.58%104.39%105.77%106.09%107.47%102.26%104.34%103.24%-285 bps
Liquid Assets / Assets4.87%4.50%4.05%4.61%3.79%6.47%4.15%4.02%-59 bps
CRE / Total Capitaln/an/an/an/a345%361%351%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Androscoggin Savings Bank

Lewiston, ME · Cert 17751 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Androscoggin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$1.8BAssets
$1.5BLoans
$1.4BDeposits
$189.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 86% of banks $1B-$10B in assets operating in a single state (rank 40 of 269).
  • Widest gap: return on equity trails 88% of banks $1B-$10B in assets operating in a single state (rank 237 of 269).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.68%

Rank 238 of 269

Net Interest Margin

2.85%

Rank 229 of 269

Efficiency Ratio

73.92%

Rank 225 of 268

Equity / Assets

10.76%

Rank 116 of 269

Non-interest income vs. expense

$9.5M$45.0MINCOMEEXPENSE
Unfavorable gap of $35.6M · efficiency ratio beats 16% of banks $1B-$10B in assets operating in a single state
Bank 73.92%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.68%0.93%1.23%1.54%Beats 12%238 / 269
Return on Equity6.36%9.13%11.77%14.52%Beats 12%237 / 269
Net Interest Margin2.85%3.16%3.50%3.88%Beats 15%229 / 269
Efficiency Ratio73.92%51.70%60.21%69.66%Beats 16%225 / 268
Asset Quality
Nonperforming Loans / Loans0.48%0.19%0.45%0.89%Beats 46%147 / 269
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 86%40 / 269
Capital
Tier 1 Capital Ratio13.15%11.29%13.10%15.21%Beats 50%134 / 269
Total Risk-Based Capital Ratio14.19%12.04%13.91%16.33%Beats 52%129 / 269
Equity / Assets10.76%9.18%10.29%11.76%Beats 57%116 / 269
Liquidity & Funding
Loans / Deposits103.24%72.68%86.29%95.72%88th pctl31 / 269
Loans / Assets83.73%62.46%72.27%78.37%91st pctl25 / 269
Brokered Deposits / Depositsn/aNot reported for this institution