Farmington, ME · Cert 19836 · FSB Bcorp MHC
State charter, Fed member · FED · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
23
Profitability
46
Liquidity
0
Efficiency
40
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.
Farmington, ME · Cert 19836 · FSB Bcorp MHC
State charter, Fed member · FED · 9 branches
Q2 2026
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 | 0.73% | 0.64% | 0.76% | 0.84% | 0.85% | 0.72% | 0.95% | 0.99% | +15 bps | |
| Return on Equity | 4.08% | 3.58% | 4.33% | 4.82% | 4.89% | 4.12% | 5.28% | 5.50% | +67 bps | |
| Net Interest Margin | 3.35% | 3.36% | 3.65% | 3.75% | 3.75% | 3.82% | 4.14% | 4.16% | +41 bps | |
| Efficiency Ratio | 74.55% | 76.88% | 74.64% | 72.27% | 70.72% | 73.60% | 69.26% | 69.01% | -326 bps | |
| Non-Interest Burden | 2.43% | 2.51% | 2.65% | 2.63% | 2.56% | 2.72% | 2.74% | 2.76% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.03% | 10.05% | 8.35% | 8.87% | 8.11% | 6.87% | 4.22% | 4.19% | -468 bps | |
| Loan Growth (YoY) | 16.03% | 13.54% | 11.25% | 10.31% | 8.23% | 6.79% | 6.29% | 5.06% | -525 bps | |
| Deposit Growth (YoY) | 8.65% | 12.67% | 16.91% | 18.79% | 12.66% | 11.80% | 3.39% | 2.31% | -1,647 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 0.92% | 1.05% | 1.31% | 1.35% | 1.57% | 1.32% | 1.36% | +5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.06% | 0.02% | 0.01% | 0.01% | 0.11% | 0.12% | 0.08% | +7 bps | |
| Allowance / Loans | 0.73% | 0.72% | 0.71% | 0.71% | 0.76% | 0.76% | 0.77% | 0.76% | +6 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.7x | 0.5x | 0.6x | 0.5x | 0.6x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.33% | 18.99% | 18.72% | 18.90% | 18.57% | 18.63% | 18.64% | 18.79% | -11 bps | |
| Total Risk-Based Capital | 23.94% | 23.40% | 23.61% | 23.05% | 23.05% | 22.76% | 23.07% | 22.85% | -20 bps | |
| Equity / Assets | 17.63% | 17.41% | 17.53% | 17.28% | 17.24% | 17.72% | 18.22% | 17.94% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.04% | 113.77% | 106.91% | 109.47% | 110.52% | 108.68% | 109.91% | 112.41% | +294 bps | |
| Liquid Assets / Assets | 1.57% | 1.70% | 2.13% | 2.35% | 2.44% | 2.09% | 0.59% | 2.03% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 221% | 218% | 214% | n/a | n/a | |
Farmington, ME · Cert 19836 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FSB Bcorp MHC
State charter, Fed member · FED · 9 branches
Q2 2026
Return on Assets
0.97%
Rank 421 of 746
Net Interest Margin
4.16%
Rank 187 of 746
Efficiency Ratio
69.01%
Rank 449 of 746
Equity / Assets
17.94%
Rank 53 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.72% | 1.06% | 1.45% | Beats 44% | 421 / 746 | ||
| Return on Equity | 5.42% | 6.74% | 10.51% | 13.63% | Beats 19% | 603 / 746 | ||
| Net Interest Margin | 4.16% | 3.17% | 3.68% | 4.16% | Beats 75% | 187 / 746 | ||
| Efficiency Ratio | 69.01% | 55.74% | 64.58% | 75.47% | Beats 40% | 449 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.36% | 0.09% | 0.42% | 1.07% | Beats 19% | 604 / 743 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 26% | 553 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.03% | 11.55% | 13.75% | 17.60% | Beats 87% | 97 / 746 | ||
| Total Risk-Based Capital Ratio | 22.85% | 11.71% | 14.33% | 18.43% | Beats 86% | 102 / 746 | ||
| Equity / Assets | 17.94% | 8.90% | 10.51% | 13.06% | Beats 93% | 53 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 112.41% | 61.31% | 78.27% | 90.78% | 97th pctl | 19 / 746 | ||
| Loans / Assets | 85.87% | 53.60% | 66.97% | 76.08% | 96th pctl | 28 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||