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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

4.99%Q2 ’244.99%Q2 ’255.13%Q2 ’26+4%+10%

Non-interest income vs. expense

2.81%Q2 ’242.61%Q2 ’253.10%Q2 ’26-5%+22%

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 0.11%, down 17 bps year over year; NIM at 2.88%.
  • 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 (quarter, annualized)

0.11%-17 bps YoY

Net Interest Margin (quarter, annualized)

2.88%+26 bps YoY

Efficiency Ratio (quarter, annualized)

96.13%+797 bps YoY

Tier 1 Leverage Ratio

8.03%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.49%0.42%0.25%0.11%-17 bps
Return on Equity4.57%7.72%6.35%3.83%1.58%-299 bps
Net Interest Margin2.61%2.81%2.85%2.78%2.88%+26 bps
Efficiency Ratio88.16%80.63%82.40%89.53%96.13%+797 bps
Non-Interest Burden2.26%2.19%2.27%2.46%2.75%+49 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