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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51%1 | 1.43% | 1.16% | 0.56% | 2.16%1 | +65 bps | |
| Return on Equity | 12.04% | 11.15% | 8.88% | 4.29% | 16.23% | +418 bps | |
| Net Interest Margin | 2.75% | 2.88% | 2.98% | 2.93% | 2.98% | +23 bps | |
| Efficiency Ratio | 74.61% | 72.02% | 73.98% | 69.55% | 73.19% | -142 bps | |
| Non-Interest Burden | 1.95% | 1.97% | 2.09% | 1.93% | 2.08% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.35% | 3.23% | 3.25% | 3.88% | 4.52% | +117 bps | |
| Loan Growth (YoY) | 3.73% | 4.46% | 3.85% | 4.13% | 4.94% | +121 bps | |
| Deposit Growth (YoY) | 3.18% | 3.57% | 2.96% | 3.81% | 3.93% | +74 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.36% | 0.42% | 0.46% | 0.46% | +10 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.61% | 0.61% | 0.61% | 0.61% | 0.61% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.4x | 1.3x | 1.3x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.22% | 13.41% | 13.60% | 13.60% | 13.96% | +73 bps | |
| Total Risk-Based Capital | 17.68% | 17.92% | 18.07% | 18.27% | 18.02% | +34 bps | |
| Equity / Assets | 12.62% | 12.98% | 13.12% | 13.20% | 13.42% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.40% | 109.99% | 109.91% | 109.67% | 111.48% | +108 bps | |
| Liquid Assets / Assets | 2.20% | 1.82% | 1.97% | 1.95% | 1.90% | -31 bps | |
| CRE / Total Capital | n/a | 162.14% | 157.60% | 158.17% | n/a | n/a | |