Auburn, ME · Cert 28288 · Auburn Bcorp MHC
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Lewiston-Auburn, ME · 2026 SOD (annual) · 3.6% share · #8 of 9 inst. · $0.1B of $2.1B
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 | 0.09% | 0.03% | 0.22% | 0.25% | 0.33% | 0.35% | 0.25% | 0.18% | -7 bps | |
| Return on Equity | 1.47% | 0.53% | 3.65% | 4.13% | 5.36% | 5.62% | 3.83% | 2.70% | -143 bps | |
| Net Interest Margin | 2.55% | 2.47% | 2.58% | 2.58% | 2.66% | 2.70% | 2.78% | 2.78% | +20 bps | |
| Efficiency Ratio | 97.96% | 101.13% | 90.42% | 89.27% | 86.22% | 85.21% | 89.53% | 92.95% | +367 bps | |
| Non-Interest Burden | 2.49% | 2.51% | 2.30% | 2.27% | 2.24% | 2.24% | 2.46% | 2.56% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.11% | -2.95% | -2.23% | 0.26% | -0.76% | -0.12% | 0.65% | 0.50% | +24 bps | |
| Loan Growth (YoY) | -0.20% | -2.10% | -2.44% | 0.36% | 2.55% | 0.66% | 2.73% | 3.74% | +338 bps | |
| Deposit Growth (YoY) | -3.29% | -5.82% | -3.57% | 2.55% | -0.73% | 1.22% | 1.76% | -0.70% | -324 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.16% | 0.00% | 0.12% | 0.12% | 0.00% | 0.03% | 0.02% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 0.97% | 0.99% | 0.97% | 0.96% | 0.97% | 0.96% | 0.95% | -2 bps | |
| Allowance Coverage of NPLs | 6.0x | 5.9x | 805.0x | 8.1x | 8.2x | n/a | 38.5x | 38.5x | +30.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.90% | 7.82% | 7.99% | 7.97% | 8.11% | 8.17% | 8.29% | 8.03% | +7 bps | |
| Total Risk-Based Capital | 13.38% | 13.03% | 13.40% | 13.18% | 13.62% | 13.64% | 13.70% | 12.99% | -19 bps | |
| Equity / Assets | 6.30% | 5.74% | 6.09% | 6.10% | 6.48% | 6.63% | 6.68% | 6.64% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.22% | 111.45% | 113.04% | 107.83% | 111.80% | 110.82% | 114.12% | 112.64% | +481 bps | |
| Liquid Assets / Assets | 2.78% | 1.59% | 1.87% | 3.03% | 0.99% | 1.65% | 1.42% | 1.46% | -157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.19% | 174.91% | 189.11% | n/a | n/a | |