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Bangor Savings Bank

Bangor, ME · Cert 18408 · Bangor Bcorp MHC

SI · FDIC · 71 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bangor Savings Bank

Bangor, ME · Cert 18408 · Bangor Bcorp MHC

SI · FDIC · 71 branches

Q2 2026

$7.7BAssets
$5.2BLoans
$5.7BDeposits
$539.6MEquity
Loan mix
93%RE $4.7B6%C&I $0.3B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $4.2B27%Noninterest $1.6BQ2 2025Q2 2026

NIM

3.58%Q2 ’243.76%Q2 ’254.00%Q2 ’26+17%+22%

Non-interest income vs. expense

2.71%Q2 ’242.93%Q2 ’253.11%Q2 ’26+6%+7%

Market Position · Bangor, ME · 2026 SOD (annual) · 45.4% share · #1 of 9 inst. · $2.2B of $4.9B

45.4% Penobscot
6.4% Cumberland
10.2% Kennebec
4.8% York

Executive Summary

  • Earnings: ROA of 0.37%, up 27 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.47% of loans (-20 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 7.79%, up 18 bps from a year ago.
  • Funding: loans stand at 91.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.61%+46 bps YoY

Efficiency Ratio (YTD, annualized)

83.03%-769 bps YoY

Tier 1 Leverage Ratio

7.79%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.21%0.39%0.25%0.37%+27 bps
Return on Equity1.71%3.38%6.02%3.53%5.26%+354 bps
Net Interest Margin2.15%2.22%2.30%2.65%2.61%+46 bps
Efficiency Ratio90.73%80.59%72.98%83.32%83.03%-769 bps
Non-Interest Burden1.83%1.49%1.17%2.00%1.95%+12 bps
Growth
Asset Growth (YoY)1.58%0.99%1.61%2.59%5.50%+393 bps
Loan Growth (YoY)3.75%3.92%3.78%2.93%3.41%-34 bps
Deposit Growth (YoY)10.50%7.05%-4.38%-7.54%-3.26%-1,377 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.23%0.37%0.45%0.47%-20 bps
Net Charge-Offs / Loans0.02%0.55%0.42%0.02%0.02%0 bps
Allowance / Loans0.75%0.72%0.73%0.79%0.78%+4 bps
Allowance Coverage of NPLs1.1x3.1x2.0x1.7x1.7x+0.6x
Capital
Tier 1 Leverage Ratio7.61%7.75%7.95%7.97%7.79%+18 bps
Total Risk-Based Capital11.15%11.35%11.34%11.35%11.14%-1 bps
Equity / Assets6.37%6.70%7.17%7.19%6.97%+60 bps
Liquidity & Funding
Loans / Deposits85.71%86.79%89.87%89.63%91.63%+592 bps
Liquid Assets / Assets0.13%0.09%0.35%0.19%0.14%+1 bps
CRE / Total Capitaln/a319%323%327%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bangor Savings Bank

Bangor, ME · Cert 18408 · Peer group: banks $1B-$10B in assets (n=322-328) · Bangor Bcorp MHC

SI · FDIC · 71 branches

Q2 2026

$7.7BAssets
$5.2BLoans
$5.7BDeposits
$539.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 65% of banks $1B-$10B in assets (rank 116 of 322).
  • Widest gap: equity / assets trails 98% of banks $1B-$10B in assets (rank 322 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.36%

Rank 316 of 328

Net Interest Margin

2.61%

Rank 299 of 328

Efficiency Ratio

83.04%

Rank 316 of 328

Equity / Assets

6.97%

Rank 322 of 328

Non-interest income vs. expense

$89.9M$241.1MINCOMEEXPENSE
Unfavorable gap of $151.2M · efficiency ratio beats 4% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.36%0.91%1.22%1.52%Beats 4%316 / 328
Return on Equity5.20%8.43%11.45%14.43%Beats 8%302 / 328
Net Interest Margin2.61%3.03%3.45%3.83%Beats 9%299 / 328
Efficiency Ratio83.04%51.61%59.56%67.53%Beats 4%316 / 328
Asset Quality
Nonperforming Loans / Loans0.47%0.24%0.51%1.03%Beats 55%145 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 65%116 / 322
Capital
Tier 1 Capital Ratio10.38%11.75%13.15%15.47%Beats 8%303 / 328
Total Risk-Based Capital Ratio11.14%12.63%14.15%16.46%Beats 11%293 / 328
Equity / Assets6.97%9.15%10.33%12.01%Beats 2%322 / 328
Liquidity & Funding
Loans / Deposits91.63%76.63%87.92%95.36%64th pctl116 / 323
Loans / Assets67.75%65.18%74.15%79.98%31st pctl227 / 328
Brokered Deposits / Depositsn/aNot reported for this institution