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Northeast Bank

Lewiston, ME · Cert 19690

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

96

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

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 2026-10-11

Northeast Bank

Lewiston, ME · Cert 19690

State charter, non-member · FDIC · 9 branches

Q2 2026

$5.2BAssets
$4.6BLoans
$3.7BDeposits
$603.9MEquity
Loan mix
93%RE $3.4B7%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $3.6B5%Noninterest $0.2BQ2 2025Q2 2026

NIM

8.57%Q2 ’248.04%Q2 ’257.94%Q2 ’26-3%+3%

Non-interest income vs. expense

2.20%Q2 ’241.96%Q2 ’251.86%Q2 ’26-36%+22%

Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 13.3% share · #2 of 23 inst. · $3.0B of $22.8B

18.8% Cumberland
23.7% Oxford
10.3% Androscoggin
6.8% Kennebec

Executive Summary

  • Earnings: ROA of 2.53%, up 44 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.55% of loans (-37 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.90%, up 25 bps from a year ago.
  • Funding: loans stand at 123.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.53%+44 bps YoY

Net Interest Margin (YTD, annualized)

4.86%+15 bps YoY

Efficiency Ratio (YTD, annualized)

35.71%-45 bps YoY

Tier 1 Leverage Ratio

11.90%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.09%2.11%2.01%2.39%2.53%+44 bps
Return on Equity18.73%18.46%17.75%21.64%22.56%+382 bps
Net Interest Margin4.71%4.70%4.48%5.07%4.86%+15 bps
Efficiency Ratio36.15%37.60%38.26%35.50%35.71%-45 bps
Non-Interest Burden1.24%1.37%1.39%1.61%1.52%+28 bps
Growth
Asset Growth (YoY)36.62%5.88%21.17%19.05%22.17%-1,445 bps
Loan Growth (YoY)37.27%6.96%22.40%19.97%21.16%-1,611 bps
Deposit Growth (YoY)44.18%4.23%21.49%11.03%9.58%-3,460 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.90%0.80%0.66%0.55%-37 bps
Net Charge-Offs / Loans0.14%0.20%0.19%0.30%0.23%+9 bps
Allowance / Loans1.26%1.24%1.44%1.32%1.27%+1 bps
Allowance Coverage of NPLs1.4x1.4x1.8x2.0x2.3x+0.9x
Capital
Tier 1 Leverage Ratio11.64%12.22%12.19%11.40%11.90%+25 bps
Total Risk-Based Capital14.70%15.11%13.73%14.20%14.71%+1 bps
Equity / Assets11.55%12.31%10.83%11.28%11.55%0 bps
Liquidity & Funding
Loans / Deposits111.28%114.28%114.95%123.40%123.04%+1,176 bps
Liquid Assets / Assets9.55%8.06%8.93%7.87%8.18%-136 bps
CRE / Total Capitaln/a544%619%582%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 2026-10-11

Northeast Bank

Lewiston, ME · Cert 19690 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State charter, non-member · FDIC · 9 branches

Q2 2026

$5.2BAssets
$4.6BLoans
$3.7BDeposits
$603.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 7 of 257).
  • Widest gap: net charge-offs / loans trails 82% of banks $1B-$10B in assets operating in a single state (rank 212 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.46%

Rank 11 of 258

Net Interest Margin

4.86%

Rank 10 of 258

Efficiency Ratio

35.71%

Rank 7 of 257

Equity / Assets

11.55%

Rank 75 of 258

Non-interest income vs. expense

$17.1M$94.2MINCOMEEXPENSE
Unfavorable gap of $77.1M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state
Bank 35.71%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.46%0.93%1.23%1.54%Beats 96%11 / 258
Return on Equity21.26%9.26%11.84%14.74%Beats 95%14 / 258
Net Interest Margin4.86%3.16%3.49%3.88%Beats 96%10 / 258
Efficiency Ratio35.71%51.71%60.30%69.65%Beats 98%7 / 257
Asset Quality
Nonperforming Loans / Loans0.55%0.19%0.46%0.90%Beats 40%155 / 258
Net Charge-Offs / Loans0.12%0.01%0.02%0.07%Beats 18%212 / 258
Capital
Tier 1 Capital Ratio13.46%11.41%12.98%15.12%Beats 56%114 / 258
Total Risk-Based Capital Ratio14.71%12.10%13.91%16.08%Beats 60%102 / 258
Equity / Assets11.55%9.09%10.24%11.72%Beats 71%75 / 258
Liquidity & Funding
Loans / Deposits123.04%73.24%86.34%95.95%98th pctl5 / 258
Loans / Assets87.84%63.01%72.27%78.40%98th pctl6 / 258
Brokered Deposits / Depositsn/aNot reported for this institution