Skowhegan, ME · Cert 19532
SI · FDIC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
58
Profitability
59
Liquidity
64
Efficiency
28
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.
Skowhegan, ME · Cert 19532
SI · FDIC · 12 branches
Q2 2026
Market Position · Bangor, ME · 2026 SOD (annual) · 1.3% share · #9 of 9 inst. · $0.1B of $4.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.86% | 0.76% | 0.98% | 1.11% | 1.07% | 0.93% | 1.58% | +60 bps | |
| Return on Equity | 7.91% | 7.51% | 6.11% | 7.78% | 8.60% | 8.14% | 6.60% | 11.12% | +334 bps | |
| Net Interest Margin | 2.84% | 2.95% | 3.20% | 3.26% | 3.33% | 3.39% | 3.54% | 3.58% | +32 bps | |
| Efficiency Ratio | 75.81% | 74.88% | 71.84% | 73.58% | 72.66% | 73.71% | 72.19% | 73.91% | +33 bps | |
| Non-Interest Burden | 2.03% | 2.08% | 2.17% | 2.28% | 2.29% | 2.36% | 2.43% | 2.52% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | -4.03% | -6.17% | -4.28% | -3.29% | 0.02% | 0.08% | 1.41% | +569 bps | |
| Loan Growth (YoY) | 3.86% | 4.29% | 5.09% | 3.57% | 0.95% | 0.45% | -0.96% | -0.16% | -373 bps | |
| Deposit Growth (YoY) | 1.28% | -0.24% | -0.46% | -0.39% | -0.79% | -2.31% | -1.84% | 1.22% | +161 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.29% | 0.29% | 0.31% | 0.37% | 0.43% | 0.39% | 0.42% | +11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.02% | -0.01% | -0.02% | -3 bps | |
| Allowance / Loans | 0.98% | 0.99% | 0.99% | 0.99% | 0.99% | 0.97% | 0.99% | 1.00% | +1 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.5x | 3.4x | 3.2x | 2.7x | 2.2x | 2.6x | 2.4x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.37% | 13.78% | 14.20% | 14.47% | 14.83% | 15.08% | 15.38% | 15.81% | +134 bps | |
| Total Risk-Based Capital | 21.31% | 21.44% | 21.45% | 21.87% | 22.65% | 23.90% | 24.12% | 23.56% | +169 bps | |
| Equity / Assets | 12.13% | 12.20% | 12.68% | 13.06% | 13.63% | 14.00% | 14.18% | 14.50% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.88% | 84.09% | 85.74% | 87.40% | 85.34% | 86.47% | 86.51% | 86.21% | -119 bps | |
| Liquid Assets / Assets | 4.54% | 1.24% | 1.00% | 0.92% | 1.43% | 1.00% | 1.56% | 0.95% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 140.23% | 130.29% | 135.16% | n/a | n/a | |
Skowhegan, ME · Cert 19532 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 12 branches
Q2 2026
Return on Assets
1.57%
Rank 151 of 746
Net Interest Margin
3.58%
Rank 414 of 746
Efficiency Ratio
73.91%
Rank 540 of 746
Equity / Assets
14.50%
Rank 116 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.72% | 1.06% | 1.45% | Beats 80% | 151 / 746 | ||
| Return on Equity | 10.80% | 6.74% | 10.51% | 13.63% | Beats 53% | 351 / 746 | ||
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 45% | 414 / 746 | ||
| Efficiency Ratio | 73.91% | 55.74% | 64.58% | 75.47% | Beats 28% | 540 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.42% | 1.07% | Beats 50% | 369 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 255 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.46% | 11.55% | 13.75% | 17.60% | Beats 88% | 88 / 746 | ||
| Total Risk-Based Capital Ratio | 23.56% | 11.71% | 14.33% | 18.43% | Beats 88% | 86 / 746 | ||
| Equity / Assets | 14.50% | 8.90% | 10.51% | 13.06% | Beats 84% | 116 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.21% | 61.31% | 78.27% | 90.78% | 67th pctl | 249 / 746 | ||
| Loans / Assets | 72.13% | 53.60% | 66.97% | 76.08% | 63rd pctl | 274 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||