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Auburn Savings Bank, FSB

Auburn, ME · Cert 28288 · Auburn Bcorp MHC

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 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.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

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

Auburn Savings Bank, FSB

Auburn, ME · Cert 28288 · Auburn Bcorp MHC

State savings bank · OCC · 2 branches

Q2 2026

$103.2MAssets
$85.5MLoans
$75.9MDeposits
$6.9MEquity
Loan mix
92%RE $77.0M4%C&I $3.7M4%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $65.7M13%Noninterest $10.2MQ2 2025Q2 2026

NIM

5.02%Q2 ’244.99%Q2 ’254.99%Q2 ’26+0%+8%

Non-interest income vs. expense

2.85%Q2 ’242.61%Q2 ’252.89%Q2 ’26-8%+13%

Market Position · Lewiston-Auburn, ME · 2026 SOD (annual) · 3.6% share · #8 of 9 inst. · $0.1B of $2.1B

Executive Summary

  • Earnings: ROA of 0.18%, down 7 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.02% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.03%, up 7 bps from a year ago.
  • Funding: loans stand at 112.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+20 bps YoY

Efficiency Ratio (YTD, annualized)

92.95%+367 bps YoY

Tier 1 Leverage Ratio

8.03%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.33%0.35%0.25%0.18%-7 bps
Return on Equity4.13%5.36%5.62%3.83%2.70%-143 bps
Net Interest Margin2.58%2.66%2.70%2.78%2.78%+20 bps
Efficiency Ratio89.27%86.22%85.21%89.53%92.95%+367 bps
Non-Interest Burden2.27%2.24%2.24%2.46%2.56%+30 bps
Growth
Asset Growth (YoY)0.26%-0.76%-0.12%0.65%0.50%+24 bps
Loan Growth (YoY)0.36%2.55%0.66%2.73%3.74%+338 bps
Deposit Growth (YoY)2.55%-0.73%1.22%1.76%-0.70%-324 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.12%0.00%0.03%0.02%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.97%0.96%0.97%0.96%0.95%-2 bps
Allowance Coverage of NPLs8.1x8.2xn/a38.5x38.5x+30.5x
Capital
Tier 1 Leverage Ratio7.97%8.11%8.17%8.29%8.03%+7 bps
Total Risk-Based Capital13.18%13.62%13.64%13.70%12.99%-19 bps
Equity / Assets6.10%6.48%6.63%6.68%6.64%+53 bps
Liquidity & Funding
Loans / Deposits107.83%111.80%110.82%114.12%112.64%+481 bps
Liquid Assets / Assets3.03%0.99%1.65%1.42%1.46%-157 bps
CRE / Total Capitaln/a174.19%174.91%189.11%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

Auburn Savings Bank, FSB

Auburn, ME · Cert 28288 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Auburn Bcorp MHC

State savings bank · OCC · 2 branches

Q2 2026

$103.2MAssets
$85.5MLoans
$75.9MDeposits
$6.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 713 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.18%

Rank 696 of 746

Net Interest Margin

2.78%

Rank 664 of 746

Efficiency Ratio

92.95%

Rank 703 of 746

Equity / Assets

6.64%

Rank 713 of 746

Non-interest income vs. expense

$0.3M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state
Bank 92.95%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.18%0.72%1.06%1.45%Beats 7%696 / 746
Return on Equity2.69%6.74%10.51%13.63%Beats 10%669 / 746
Net Interest Margin2.78%3.17%3.68%4.16%Beats 11%664 / 746
Efficiency Ratio92.95%55.74%64.58%75.47%Beats 6%703 / 746
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.07%Beats 81%142 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.84%11.55%13.75%17.60%Beats 30%524 / 746
Total Risk-Based Capital Ratio12.99%11.71%14.33%18.43%Beats 37%471 / 746
Equity / Assets6.64%8.90%10.51%13.06%Beats 4%713 / 746
Liquidity & Funding
Loans / Deposits112.64%61.31%78.27%90.78%98th pctl18 / 746
Loans / Assets82.83%53.60%66.97%76.08%91st pctl65 / 746
Brokered Deposits / Depositsn/aNot reported for this institution