Skowhegan Savings Bank
Skowhegan, ME · Cert 19532 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
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 93 of 755).
- Widest gap: efficiency ratio trails 72% of banks under $1B in assets operating in a single state (rank 546 of 755).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.57%
Rank 153 of 755
Net Interest Margin
3.58%
Rank 417 of 755
Efficiency Ratio
73.91%
Rank 546 of 755
Equity / Assets
14.50%
Rank 126 of 755
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% | 153 / 755 | | |
| Return on Equity | 10.80% | 6.66% | 10.44% | 13.61% | Beats 53% | 353 / 755 | | |
| Net Interest Margin | 3.58% | 3.15% | 3.68% | 4.17% | Beats 45% | 417 / 755 | | |
| Efficiency Ratio | 73.91% | 55.75% | 64.78% | 75.61% | Beats 28% | 546 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.42% | 1.05% | Beats 50% | 377 / 751 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 255 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 22.46% | 11.56% | 13.81% | 17.74% | Beats 88% | 93 / 755 | | |
| Total Risk-Based Capital Ratio | 23.56% | 11.72% | 14.46% | 18.53% | Beats 88% | 91 / 755 | | |
| Equity / Assets | 14.50% | 8.93% | 10.56% | 13.13% | Beats 83% | 126 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.21% | 62.43% | 78.62% | 91.00% | 66th pctl | 258 / 755 | | |
| Loans / Assets | 72.13% | 54.70% | 67.27% | 76.55% | 63rd pctl | 283 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |