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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 0.37%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.17%0.13%0.11%0.21%0.39%0.25%0.37%+27 bps
Return on Equity2.68%2.93%2.05%1.71%3.38%6.02%3.53%5.26%+354 bps
Net Interest Margin1.87%1.94%2.11%2.15%2.22%2.30%2.65%2.61%+46 bps
Efficiency Ratio94.32%93.18%92.33%90.73%80.59%72.98%83.32%83.03%-769 bps
Non-Interest Burden1.69%1.72%1.85%1.83%1.49%1.17%2.00%1.95%+12 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 / Loans-0.01%0.00%0.01%0.02%0.55%0.42%0.02%0.02%0 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