Lewiston, ME · Cert 17751 · Androscoggin Bcorp MHC
SI · FDIC · 9 branches
Q2 2026
Market Position · Lewiston-Auburn, ME · 2026 SOD (annual) · 36.4% share · #1 of 9 inst. · $0.8B of $2.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.42% | 0.36% | 0.46% | 0.50% | 0.55% | 0.55% | 0.67% | +22 bps | |
| Return on Equity | 5.01% | 4.88% | 4.10% | 4.95% | 5.30% | 5.75% | 5.38% | 6.47% | +151 bps | |
| Net Interest Margin | 2.51% | 2.56% | 2.68% | 2.64% | 2.72% | 2.69% | 2.76% | 2.85% | +21 bps | |
| Efficiency Ratio | 80.90% | 81.40% | 82.80% | 79.45% | 77.70% | 76.55% | 76.01% | 73.92% | -553 bps | |
| Non-Interest Burden | 1.93% | 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 / Loans | 0.41% | 0.19% | 0.19% | 0.17% | 0.31% | 0.33% | 0.62% | 0.48% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.95% | 0.94% | 0.94% | 0.96% | 0.96% | 0.97% | 0.99% | +5 bps | |
| Allowance Coverage of NPLs | 2.2x | 4.9x | 4.9x | 5.6x | 3.0x | 2.9x | 1.6x | 2.1x | -3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.58% | 9.65% | 10.50% | 10.62% | 10.33% | 10.77% | 10.76% | +26 bps | |
| Total Risk-Based Capital | 12.66% | 12.60% | 12.39% | 13.92% | 13.93% | 13.82% | 13.94% | 14.19% | +27 bps | |
| Equity / Assets | 8.77% | 8.79% | 8.85% | 9.95% | 10.09% | 10.05% | 10.48% | 10.76% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.58% | 104.39% | 105.77% | 106.09% | 107.47% | 102.26% | 104.34% | 103.24% | -285 bps | |
| Liquid Assets / Assets | 4.87% | 4.50% | 4.05% | 4.61% | 3.79% | 6.47% | 4.15% | 4.02% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 345% | 361% | 351% | n/a | n/a | |