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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.75% | 0.76% | 1.21% | 1.36% | 0.95% | 0.93% | 2.23%1 | +102 bps | |
| Return on Equity | 8.25% | 6.20% | 6.11% | 9.38% | 10.16% | 6.85% | 6.60% | 15.56% | +618 bps | |
| Net Interest Margin | 2.92% | 3.14% | 3.20% | 3.32% | 3.46% | 3.54% | 3.54% | 3.64% | +31 bps | |
| Efficiency Ratio | 79.13% | 72.29% | 71.84% | 75.28% | 70.95% | 76.56% | 72.19% | 75.57% | +29 bps | |
| Non-Interest Burden | 2.19% | 2.13% | 2.17% | 2.39% | 2.29% | 2.54% | 2.43% | 2.63% | +23 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% | 0.02% | 0.01% | 0.03% | -0.01% | -0.03% | -5 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 | |