Androscoggin Savings Bank
Lewiston, ME · Cert 17751 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 38 of 258).
- Widest gap: return on equity trails 88% of banks $1B-$10B in assets operating in a single state (rank 226 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.68%
Rank 227 of 258
Net Interest Margin
2.85%
Rank 222 of 258
Efficiency Ratio
73.92%
Rank 215 of 257
Equity / Assets
10.76%
Rank 110 of 258
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.93% | 1.23% | 1.54% | Beats 12% | 227 / 258 | | |
| Return on Equity | 6.36% | 9.26% | 11.84% | 14.74% | Beats 12% | 226 / 258 | | |
| Net Interest Margin | 2.85% | 3.16% | 3.49% | 3.88% | Beats 14% | 222 / 258 | | |
| Efficiency Ratio | 73.92% | 51.71% | 60.30% | 69.65% | Beats 17% | 215 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.19% | 0.46% | 0.90% | Beats 46% | 140 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 86% | 38 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 11.41% | 12.98% | 15.12% | Beats 51% | 127 / 258 | | |
| Total Risk-Based Capital Ratio | 14.19% | 12.10% | 13.91% | 16.08% | Beats 52% | 123 / 258 | | |
| Equity / Assets | 10.76% | 9.09% | 10.24% | 11.72% | Beats 57% | 110 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.24% | 73.24% | 86.34% | 95.95% | 88th pctl | 31 / 258 | | |
| Loans / Assets | 83.73% | 63.01% | 72.27% | 78.40% | 91st pctl | 22 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |