Augusta, ME · Cert 17897 · Kennebec Savings MHC
SI · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
75
Profitability
37
Liquidity
0
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Augusta, ME · Cert 17897 · Kennebec Savings MHC
SI · FDIC · 8 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 0.6% share · #17 of 23 inst. · $0.1B of $22.8B
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 | 0.83%1 | 0.61%1 | 0.44% | 0.97% | 1.13% | 1.13% | 0.56% | 1.37% | +39 bps | |
| Return on Equity | 6.72% | 4.92% | 3.55% | 7.84% | 8.97% | 8.95% | 4.29% | 10.30% | +247 bps | |
| Net Interest Margin | 2.28% | 2.32% | 2.59% | 2.66% | 2.71% | 2.76% | 2.93% | 2.93% | +28 bps | |
| Efficiency Ratio | 90.07% | 89.43% | 78.29% | 76.38% | 74.84% | 74.60% | 69.55% | 71.40% | -498 bps | |
| Non-Interest Burden | 2.02% | 2.03% | 1.95% | 1.94% | 1.94% | 1.96% | 1.93% | 1.99% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 3.18% | 2.48% | 3.35% | 3.23% | 3.25% | 3.88% | 4.52% | +117 bps | |
| Loan Growth (YoY) | 1.15% | 1.80% | 2.73% | 3.73% | 4.46% | 3.85% | 4.13% | 4.94% | +121 bps | |
| Deposit Growth (YoY) | 0.62% | 3.28% | 3.76% | 3.18% | 3.57% | 2.96% | 3.81% | 3.93% | +74 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.31% | 0.33% | 0.36% | 0.36% | 0.42% | 0.46% | 0.46% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.61% | 0.61% | 0.62% | 0.61% | 0.61% | 0.61% | 0.61% | 0.61% | 0 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 1.9x | 1.7x | 1.7x | 1.4x | 1.3x | 1.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.08% | 12.91% | 12.94% | 13.22% | 13.41% | 13.60% | 13.60% | 13.96% | +73 bps | |
| Total Risk-Based Capital | 18.01% | 17.60% | 17.59% | 17.68% | 17.92% | 18.07% | 18.27% | 18.02% | +34 bps | |
| Equity / Assets | 12.60% | 12.21% | 12.45% | 12.62% | 12.98% | 13.12% | 13.20% | 13.42% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.06% | 108.97% | 109.33% | 110.40% | 109.99% | 109.91% | 109.67% | 111.48% | +108 bps | |
| Liquid Assets / Assets | 2.93% | 2.38% | 2.08% | 2.20% | 1.82% | 1.97% | 1.95% | 1.90% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 162.14% | 157.60% | 158.17% | n/a | n/a | |
Augusta, ME · Cert 17897 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Kennebec Savings MHC
SI · FDIC · 8 branches
Q2 2026
Return on Assets
1.34%
Rank 99 of 258
Net Interest Margin
2.93%
Rank 215 of 258
Efficiency Ratio
71.40%
Rank 204 of 257
Equity / Assets
13.42%
Rank 30 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.93% | 1.23% | 1.54% | Beats 62% | 99 / 258 | ||
| Return on Equity | 10.00% | 9.26% | 11.84% | 14.74% | Beats 33% | 173 / 258 | ||
| Net Interest Margin | 2.93% | 3.16% | 3.49% | 3.88% | Beats 17% | 215 / 258 | ||
| Efficiency Ratio | 71.40% | 51.71% | 60.30% | 69.65% | Beats 21% | 204 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.19% | 0.46% | 0.90% | Beats 49% | 133 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.32% | 11.41% | 12.98% | 15.12% | Beats 86% | 35 / 258 | ||
| Total Risk-Based Capital Ratio | 18.02% | 12.10% | 13.91% | 16.08% | Beats 85% | 39 / 258 | ||
| Equity / Assets | 13.42% | 9.09% | 10.24% | 11.72% | Beats 88% | 30 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 111.48% | 73.24% | 86.34% | 95.95% | 95th pctl | 13 / 258 | ||
| Loans / Assets | 83.77% | 63.01% | 72.27% | 78.40% | 92nd pctl | 21 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||