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
Unfavorable gap of $35.6M · efficiency ratio beats 16% 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% | 238 / 269 | | |
| Return on Equity | 6.36% | 9.13% | 11.77% | 14.52% | Beats 12% | 237 / 269 | | |
| Net Interest Margin | 2.85% | 3.16% | 3.50% | 3.88% | Beats 15% | 229 / 269 | | |
| Efficiency Ratio | 73.92% | 51.70% | 60.21% | 69.66% | Beats 16% | 225 / 268 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.19% | 0.45% | 0.89% | Beats 46% | 147 / 269 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 86% | 40 / 269 | | |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 11.29% | 13.10% | 15.21% | Beats 50% | 134 / 269 | | |
| Total Risk-Based Capital Ratio | 14.19% | 12.04% | 13.91% | 16.33% | Beats 52% | 129 / 269 | | |
| Equity / Assets | 10.76% | 9.18% | 10.29% | 11.76% | Beats 57% | 116 / 269 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.24% | 72.68% | 86.29% | 95.72% | 88th pctl | 31 / 269 | | |
| Loans / Assets | 83.73% | 62.46% | 72.27% | 78.37% | 91st pctl | 25 / 269 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |