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
Unfavorable gap of $2.7M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.72% | 1.06% | 1.45% | Beats 7% | 696 / 746 | | |
| Return on Equity | 2.69% | 6.74% | 10.51% | 13.63% | Beats 10% | 669 / 746 | | |
| Net Interest Margin | 2.78% | 3.17% | 3.68% | 4.16% | Beats 11% | 664 / 746 | | |
| Efficiency Ratio | 92.95% | 55.74% | 64.58% | 75.47% | Beats 6% | 703 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.07% | Beats 81% | 142 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.84% | 11.55% | 13.75% | 17.60% | Beats 30% | 524 / 746 | | |
| Total Risk-Based Capital Ratio | 12.99% | 11.71% | 14.33% | 18.43% | Beats 37% | 471 / 746 | | |
| Equity / Assets | 6.64% | 8.90% | 10.51% | 13.06% | Beats 4% | 713 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 112.64% | 61.31% | 78.27% | 90.78% | 98th pctl | 18 / 746 | | |
| Loans / Assets | 82.83% | 53.60% | 66.97% | 76.08% | 91st pctl | 65 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |