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
Unfavorable gap of $151.2M · efficiency ratio beats 4% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.91% | 1.22% | 1.52% | Beats 4% | 316 / 328 | |
| Return on Equity | 5.20% | 8.43% | 11.45% | 14.43% | Beats 8% | 302 / 328 | |
| Net Interest Margin | 2.61% | 3.03% | 3.45% | 3.83% | Beats 9% | 299 / 328 | |
| Efficiency Ratio | 83.04% | 51.61% | 59.56% | 67.53% | Beats 4% | 316 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.51% | 1.03% | Beats 55% | 145 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 65% | 116 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 11.75% | 13.15% | 15.47% | Beats 8% | 303 / 328 | |
| Total Risk-Based Capital Ratio | 11.14% | 12.63% | 14.15% | 16.46% | Beats 11% | 293 / 328 | |
| Equity / Assets | 6.97% | 9.15% | 10.33% | 12.01% | Beats 2% | 322 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 91.63% | 76.63% | 87.92% | 95.36% | 64th pctl | 116 / 323 | |
| Loans / Assets | 67.75% | 65.18% | 74.15% | 79.98% | 31st pctl | 227 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |