Lewiston, ME · Cert 19690
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 13.3% share · #2 of 23 inst. · $3.0B of $22.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 2.00% | 1.80% | 2.09% | 2.11% | 2.01% | 2.39% | 2.53% | +44 bps | |
| Return on Equity | 16.98% | 18.11% | 16.39% | 18.73% | 18.46% | 17.75% | 21.64% | 22.56% | +382 bps | |
| Net Interest Margin | 4.65% | 4.07% | 4.51% | 4.71% | 4.70% | 4.48% | 5.07% | 4.86% | +15 bps | |
| Efficiency Ratio | 42.32% | 40.05% | 38.08% | 36.15% | 37.60% | 38.26% | 35.50% | 35.71% | -45 bps | |
| Non-Interest Burden | 1.79% | 1.42% | 1.32% | 1.24% | 1.37% | 1.39% | 1.61% | 1.52% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.97% | 37.52% | 40.90% | 36.62% | 5.88% | 21.17% | 19.05% | 22.17% | -1,445 bps | |
| Loan Growth (YoY) | 39.25% | 38.87% | 43.06% | 37.27% | 6.96% | 22.40% | 19.97% | 21.16% | -1,611 bps | |
| Deposit Growth (YoY) | 58.36% | 47.75% | 47.96% | 44.18% | 4.23% | 21.49% | 11.03% | 9.58% | -3,460 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.06% | 0.83% | 0.85% | 0.92% | 0.90% | 0.80% | 0.66% | 0.55% | -37 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.17% | 0.22% | 0.14% | 0.20% | 0.19% | 0.30% | 0.23% | +9 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.21% | 1.26% | 1.24% | 1.44% | 1.32% | 1.27% | +1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.5x | 1.4x | 1.4x | 1.4x | 1.8x | 2.0x | 2.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.06% | 11.16% | 11.46% | 11.64% | 12.22% | 12.19% | 11.40% | 11.90% | +25 bps | |
| Total Risk-Based Capital | 12.70% | 13.91% | 13.98% | 14.70% | 15.11% | 13.73% | 14.20% | 14.71% | +1 bps | |
| Equity / Assets | 9.96% | 10.88% | 11.06% | 11.55% | 12.31% | 10.83% | 11.28% | 11.55% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.36% | 114.09% | 114.20% | 111.28% | 114.28% | 114.95% | 123.40% | 123.04% | +1,176 bps | |
| Liquid Assets / Assets | 7.94% | 8.79% | 7.99% | 9.55% | 8.06% | 8.93% | 7.87% | 8.18% | -136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 544% | 619% | 582% | n/a | n/a | |