Rockland, ME · Cert 28369
State savings bank · OCC · 1 branch
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
55
Asset Quality
91
Profitability
25
Liquidity
0
Efficiency
9
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.
Rockland, ME · Cert 28369
State savings bank · OCC · 1 branch
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 | -0.21% | -0.32% | 0.09% | 0.10% | 0.14% | 0.12% | 0.44% | 0.34% | +24 bps | |
| Return on Equity | -2.13% | -3.33% | 0.88% | 1.06% | 1.42% | 1.21% | 4.48% | 3.38% | +232 bps | |
| Net Interest Margin | 2.72% | 2.79% | 3.38% | 3.30% | 3.29% | 3.33% | 3.60% | 3.68% | +37 bps | |
| Efficiency Ratio | 107.64% | 108.84% | 96.16% | 98.35% | 95.96% | 96.21% | 84.56% | 87.88% | -1,047 bps | |
| Non-Interest Burden | 2.94% | 3.05% | 3.22% | 3.23% | 3.13% | 3.17% | 3.00% | 3.19% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.16% | -0.20% | -1.72% | -2.66% | -1.04% | -0.78% | -0.50% | -2.57% | +9 bps | |
| Loan Growth (YoY) | 4.98% | 3.15% | 0.07% | -2.24% | -1.65% | -2.23% | -1.64% | -2.58% | -33 bps | |
| Deposit Growth (YoY) | -5.07% | -3.11% | -3.62% | 2.99% | -1.35% | -2.70% | -1.04% | -6.41% | -939 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.26% | 0.11% | 0.11% | 0.14% | 0.10% | 0.09% | 0.02% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.15% | -0.05% | -0.05% | -0.01% | -0.01% | +14 bps | |
| Allowance / Loans | 0.74% | 0.77% | 0.78% | 0.79% | 0.76% | 0.77% | 0.78% | 0.81% | +2 bps | |
| Allowance Coverage of NPLs | 4.5x | 3.0x | 7.2x | 7.3x | 5.4x | 7.9x | 8.6x | 36.9x | +29.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.01% | 9.12% | 9.19% | 9.24% | 9.30% | 9.46% | 9.67% | +48 bps | |
| Total Risk-Based Capital | 13.89% | 13.82% | 14.00% | 14.14% | 14.40% | 14.57% | 15.06% | 15.60% | +146 bps | |
| Equity / Assets | 9.73% | 9.64% | 9.70% | 9.76% | 9.77% | 9.84% | 9.95% | 10.25% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.70% | 108.92% | 111.34% | 109.34% | 107.37% | 109.44% | 110.67% | 113.81% | +447 bps | |
| Liquid Assets / Assets | 10.03% | 9.96% | 10.25% | 10.42% | 10.79% | 10.61% | 10.20% | 10.85% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 120.99% | 131.13% | 124.72% | n/a | n/a | |
Rockland, ME · Cert 28369 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
0.34%
Rank 657 of 746
Net Interest Margin
3.68%
Rank 372 of 746
Efficiency Ratio
87.88%
Rank 678 of 746
Equity / Assets
10.25%
Rank 393 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.72% | 1.06% | 1.45% | Beats 12% | 657 / 746 | ||
| Return on Equity | 3.35% | 6.74% | 10.51% | 13.63% | Beats 12% | 657 / 746 | ||
| Net Interest Margin | 3.68% | 3.17% | 3.68% | 4.16% | Beats 50% | 372 / 746 | ||
| Efficiency Ratio | 87.88% | 55.74% | 64.58% | 75.47% | Beats 9% | 678 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.07% | Beats 81% | 139 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.54% | 11.55% | 13.75% | 17.60% | Beats 57% | 323 / 746 | ||
| Total Risk-Based Capital Ratio | 15.60% | 11.71% | 14.33% | 18.43% | Beats 60% | 300 / 746 | ||
| Equity / Assets | 10.25% | 8.90% | 10.51% | 13.06% | Beats 47% | 393 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 113.81% | 61.31% | 78.27% | 90.78% | 98th pctl | 16 / 746 | ||
| Loans / Assets | 85.85% | 53.60% | 66.97% | 76.08% | 96th pctl | 29 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||