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Skowhegan Savings Bank

Skowhegan, ME · Cert 19532

SI · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 under $1B in assets operating in a single state (n=748 to 752). 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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

28

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 2026-10-10

Skowhegan Savings Bank

Skowhegan, ME · Cert 19532

SI · FDIC · 12 branches

Q2 2026

$855.0MAssets
$616.7MLoans
$715.3MDeposits
$124.0MEquity
Loan mix
84%RE $511.6M9%C&I $52.9M8%Consumer $47.6MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $547.7M23%Noninterest $167.6MQ2 2025Q2 2026

NIM

4.27%Q2 ’244.42%Q2 ’254.60%Q2 ’26+17%+10%

Non-interest income vs. expense

2.40%Q2 ’242.71%Q2 ’252.97%Q2 ’26+17%+11%

Market Position · Bangor, ME · 2026 SOD (annual) · 1.3% share · #9 of 9 inst. · $0.1B of $4.9B

55.9% Somerset
18.1% Franklin
1.3% Penobscot
1.2% Kennebec

Executive Summary

  • Earnings: ROA of 1.58%, up 60 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.42% of loans (+11 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 15.81%, up 134 bps from a year ago.
  • Funding: loans stand at 86.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+60 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+32 bps YoY

Efficiency Ratio (YTD, annualized)

73.91%+33 bps YoY

Tier 1 Leverage Ratio

15.81%+134 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.11%1.07%0.93%1.58%+60 bps
Return on Equity7.78%8.60%8.14%6.60%11.12%+334 bps
Net Interest Margin3.26%3.33%3.39%3.54%3.58%+32 bps
Efficiency Ratio73.58%72.66%73.71%72.19%73.91%+33 bps
Non-Interest Burden2.28%2.29%2.36%2.43%2.52%+24 bps
Growth
Asset Growth (YoY)-4.28%-3.29%0.02%0.08%1.41%+569 bps
Loan Growth (YoY)3.57%0.95%0.45%-0.96%-0.16%-373 bps
Deposit Growth (YoY)-0.39%-0.79%-2.31%-1.84%1.22%+161 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.37%0.43%0.39%0.42%+11 bps
Net Charge-Offs / Loans0.01%0.01%0.02%-0.01%-0.02%-3 bps
Allowance / Loans0.99%0.99%0.97%0.99%1.00%+1 bps
Allowance Coverage of NPLs3.2x2.7x2.2x2.6x2.4x-0.8x
Capital
Tier 1 Leverage Ratio14.47%14.83%15.08%15.38%15.81%+134 bps
Total Risk-Based Capital21.87%22.65%23.90%24.12%23.56%+169 bps
Equity / Assets13.06%13.63%14.00%14.18%14.50%+144 bps
Liquidity & Funding
Loans / Deposits87.40%85.34%86.47%86.51%86.21%-119 bps
Liquid Assets / Assets0.92%1.43%1.00%1.56%0.95%+4 bps
CRE / Total Capitaln/a140.23%130.29%135.16%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 2026-10-10

Skowhegan Savings Bank

Skowhegan, ME · Cert 19532 · Peer group: banks under $1B in assets operating in a single state (n=748-752)

SI · FDIC · 12 branches

Q2 2026

$855.0MAssets
$616.7MLoans
$715.3MDeposits
$124.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets operating in a single state (rank 90 of 752).
  • Widest gap: efficiency ratio trails 72% of banks under $1B in assets operating in a single state (rank 546 of 752).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.57%

Rank 151 of 752

Net Interest Margin

3.58%

Rank 422 of 752

Efficiency Ratio

73.91%

Rank 546 of 752

Equity / Assets

14.50%

Rank 123 of 752

Non-interest income vs. expense

$3.9M$26.0MINCOMEEXPENSE
Unfavorable gap of $22.0M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 73.91%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.57%0.72%1.07%1.45%Beats 80%151 / 752
Return on Equity10.80%6.78%10.58%13.65%Beats 53%357 / 752
Net Interest Margin3.58%3.18%3.69%4.17%Beats 44%422 / 752
Efficiency Ratio73.91%55.75%64.49%75.47%Beats 28%546 / 752
Asset Quality
Nonperforming Loans / Loans0.42%0.09%0.42%1.03%Beats 50%375 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 67%254 / 748
Capital
Tier 1 Capital Ratio22.46%11.55%13.75%17.60%Beats 88%90 / 752
Total Risk-Based Capital Ratio23.56%11.70%14.33%18.47%Beats 88%88 / 752
Equity / Assets14.50%8.93%10.56%13.13%Beats 84%123 / 752
Liquidity & Funding
Loans / Deposits86.21%62.23%78.64%91.26%66th pctl258 / 752
Loans / Assets72.13%54.61%67.41%76.47%62nd pctl284 / 752
Brokered Deposits / Depositsn/aNot reported for this institution