Androscoggin Savings Bank
Lewiston, ME · Cert 17751 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 88% of banks $1B-$10B in assets operating in a single state (rank 35 of 267).
- Widest gap: return on equity trails 88% of banks $1B-$10B in assets operating in a single state (rank 235 of 267).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.68%
Rank 235 of 267
Net Interest Margin
2.85%
Rank 228 of 267
Efficiency Ratio
73.92%
Rank 223 of 266
Equity / Assets
10.76%
Rank 114 of 267
Non-interest income vs. expense
Unfavorable gap of $35.6M · efficiency ratio beats 17% 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 | 0.68% | 0.93% | 1.23% | 1.55% | Beats 12% | 235 / 267 | |
| Return on Equity | 6.36% | 9.16% | 11.84% | 14.56% | Beats 12% | 235 / 267 | |
| Net Interest Margin | 2.85% | 3.12% | 3.50% | 3.88% | Beats 15% | 228 / 267 | |
| Efficiency Ratio | 73.92% | 51.36% | 60.21% | 69.66% | Beats 17% | 223 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.19% | 0.46% | 0.89% | Beats 47% | 143 / 267 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 88% | 35 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 11.29% | 13.05% | 15.13% | Beats 51% | 132 / 267 | |
| Total Risk-Based Capital Ratio | 14.19% | 11.95% | 13.87% | 16.27% | Beats 53% | 126 / 267 | |
| Equity / Assets | 10.76% | 9.18% | 10.29% | 11.76% | Beats 57% | 114 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 103.24% | 72.68% | 86.16% | 95.22% | 88th pctl | 32 / 267 | |
| Loans / Assets | 83.73% | 62.46% | 71.96% | 78.38% | 91st pctl | 23 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |