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

Deposit mix

NIM

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

Earnings: ROA of 0.49%, up 40 bps year over year; NIM at 2.66%.
Asset quality: problem loans at 0.47% of loans (-20 bps YoY), with net charge-offs at 0.01%.

Return on Assets (quarter, annualized)

0.49%+40 bps YoY

Net Interest Margin (quarter, annualized)

2.66%+47 bps YoY

Efficiency Ratio (quarter, annualized)

82.76%-653 bps YoY

Tier 1 Leverage Ratio

7.79%+18 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.09%	0.43%	0.92%	0.25%	0.49%	+40 bps
Return on Equity	1.39%	6.53%	13.27%	3.53%	6.96%	+557 bps
Net Interest Margin	2.19%	2.35%	2.57%	2.65%	2.66%	+47 bps
Efficiency Ratio	89.30%	66.22%	57.57%	83.32%	82.76%	-653 bps
Non-Interest Burden	1.81%	0.79%	0.24%	2.00%	1.98%	+17 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 / Loans	0.66%	0.23%	0.37%	0.45%	0.47%	-20 bps
Net Charge-Offs / Loans	0.02%	1.63%	0.02%	0.02%	0.01%	-1 bps
Allowance / Loans	0.75%	0.72%	0.73%	0.79%	0.78%	+4 bps
Allowance Coverage of NPLs	1.1x	3.1x	2.0x	1.7x	1.7x	+0.6x
Capital
Tier 1 Leverage Ratio	7.61%	7.75%	7.95%	7.97%	7.79%	+18 bps
Total Risk-Based Capital	11.15%	11.35%	11.34%	11.35%	11.14%	-1 bps
Equity / Assets	6.37%	6.70%	7.17%	7.19%	6.97%	+60 bps
Liquidity & Funding
Loans / Deposits	85.71%	86.79%	89.87%	89.63%	91.63%	+592 bps
Liquid Assets / Assets	0.13%	0.09%	0.35%	0.19%	0.14%	+1 bps
CRE / Total Capital	n/a	319%	323%	327%	n/a	n/a