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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 $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.2B14%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.66%Q2 ’244.80%Q2 ’254.98%Q2 ’26+8%+8%

Non-interest income vs. expense

2.40%Q2 ’242.43%Q2 ’252.54%Q2 ’26+4%0%

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 0.80%, up 25 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.48% of loans (+31 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.80%+25 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+23 bps YoY

Efficiency Ratio (quarter, annualized)

72.03%-433 bps YoY

Tier 1 Leverage Ratio

10.76%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.58%0.70%0.55%0.80%+25 bps
Return on Equity5.84%5.79%6.92%5.38%7.54%+170 bps
Net Interest Margin2.76%2.89%2.93%2.76%2.99%+23 bps
Efficiency Ratio76.36%74.54%73.54%76.01%72.03%-433 bps
Non-Interest Burden2.00%2.02%2.00%1.97%2.00%0 bps
Growth
Asset Growth (YoY)8.28%6.86%10.13%5.02%0.04%-824 bps
Loan Growth (YoY)8.26%7.84%8.47%5.37%1.39%-687 bps
Deposit Growth (YoY)4.44%4.94%10.74%6.81%4.19%-25 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.31%0.33%0.62%0.48%+31 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%-0.01%0 bps
Allowance / Loans0.94%0.96%0.96%0.97%0.99%+5 bps
Allowance Coverage of NPLs5.6x3.0x2.9x1.6x2.1x-3.6x
Capital
Tier 1 Leverage Ratio10.50%10.62%10.33%10.77%10.76%+26 bps
Total Risk-Based Capital13.92%13.93%13.82%13.94%14.19%+27 bps
Equity / Assets9.95%10.09%10.05%10.48%10.76%+81 bps
Liquidity & Funding
Loans / Deposits106.09%107.47%102.26%104.34%103.24%-285 bps
Liquid Assets / Assets4.61%3.79%6.47%4.15%4.02%-59 bps
CRE / Total Capitaln/a345%361%351%n/an/a