Kennebec Savings Bank
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
$1.9BAssets
$1.6BLoans
$1.4BDeposits
$251.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
- Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating in a single state (rank 215 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $36.9M · efficiency ratio beats 21% 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 | 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 |