Skowhegan Savings Bank
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
$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 88 of 746).
- Widest gap: efficiency ratio trails 72% of banks under $1B in assets operating in a single state (rank 540 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $22.0M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state | 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 |