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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 $0.1BQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $4.2B27%Noninterest $1.6BQ3 2024Q2 2026

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 0.49%, 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%.
  • 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.

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

NIM

3.63%Q2 ’243.82%Q2 ’254.12%Q2 ’26+18%+21%

Non-interest income vs. expense

2.72%Q2 ’243.04%Q2 ’253.19%Q2 ’26+7%+9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.22%0.13%0.09%0.43%0.92%0.25%0.49%+40 bps
Return on Equity6.12%3.56%2.05%1.39%6.53%13.27%3.53%6.96%+557 bps
Net Interest Margin1.98%2.06%2.11%2.19%2.35%2.57%2.65%2.66%+47 bps
Efficiency Ratio90.39%89.97%92.33%89.30%66.22%57.57%83.32%82.76%-653 bps
Non-Interest Burden1.66%1.72%1.85%1.81%0.79%0.24%2.00%1.98%+17 bps
Growth
Asset Growth (YoY)-0.48%-0.32%0.36%1.58%0.99%1.61%2.59%5.50%+393 bps
Loan Growth (YoY)1.17%2.23%2.81%3.75%3.92%3.78%2.93%3.41%-34 bps
Deposit Growth (YoY)-1.54%11.89%17.90%10.50%7.05%-4.38%-7.54%-3.26%-1,377 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.13%0.16%0.66%0.23%0.37%0.45%0.47%-20 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.02%1.63%0.02%0.02%0.01%-1 bps
Allowance / Loans0.64%0.64%0.66%0.75%0.72%0.73%0.79%0.78%+4 bps
Allowance Coverage of NPLs8.2x4.9x4.1x1.1x3.1x2.0x1.7x1.7x+0.6x
Capital
Tier 1 Leverage Ratio7.47%7.62%7.62%7.61%7.75%7.95%7.97%7.79%+18 bps
Total Risk-Based Capital11.53%11.12%11.36%11.15%11.35%11.34%11.35%11.14%-1 bps
Equity / Assets6.26%5.94%6.29%6.37%6.70%7.17%7.19%6.97%+60 bps
Liquidity & Funding
Loans / Deposits89.40%82.80%80.51%85.71%86.79%89.87%89.63%91.63%+592 bps
Liquid Assets / Assets0.11%0.24%0.04%0.13%0.09%0.35%0.19%0.14%+1 bps
CRE / Total Capitaln/an/an/an/a319%323%327%n/an/a