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
Unfavorable gap of $77.1M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.46% | 0.93% | 1.23% | 1.54% | Beats 96% | 11 / 258 | |
| Return on Equity | 21.26% | 9.26% | 11.84% | 14.74% | Beats 95% | 14 / 258 | |
| Net Interest Margin | 4.86% | 3.16% | 3.49% | 3.88% | Beats 96% | 10 / 258 | |
| Efficiency Ratio | 35.71% | 51.71% | 60.30% | 69.65% | Beats 98% | 7 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.90% | Beats 40% | 155 / 258 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.02% | 0.07% | Beats 18% | 212 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.46% | 11.41% | 12.98% | 15.12% | Beats 56% | 114 / 258 | |
| Total Risk-Based Capital Ratio | 14.71% | 12.10% | 13.91% | 16.08% | Beats 60% | 102 / 258 | |
| Equity / Assets | 11.55% | 9.09% | 10.24% | 11.72% | Beats 71% | 75 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 123.04% | 73.24% | 86.34% | 95.95% | 98th pctl | 5 / 258 | |
| Loans / Assets | 87.84% | 63.01% | 72.27% | 78.40% | 98th pctl | 6 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |