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Letter portraitLegal landscapeQuarterYTD

Rockland Savings Bank, FSB

Rockland, ME · Cert 28369

State savings bank · OCC · 1 branch

Q2 2026

$90.8MAssets
$77.9MLoans
$68.5MDeposits
$9.3MEquity
Loan mix
84%RE $67.1M15%C&I $11.9M1%Consumer $0.6MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $56.0M18%Noninterest $12.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.34%, up 24 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.02% of loans (-9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.67%, up 48 bps from a year ago.
  • Funding: loans stand at 113.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.34%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+37 bps YoY

Efficiency Ratio (YTD, annualized)

87.88%-1,047 bps YoY

Tier 1 Leverage Ratio

9.67%+48 bps YoY

NIM

5.04%Q2 ’245.47%Q2 ’255.56%Q2 ’26+19%+11%

Non-interest income vs. expense

3.39%Q2 ’243.43%Q2 ’253.39%Q2 ’26+3%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin2.72%2.79%3.38%3.30%3.29%3.33%3.60%3.68%+37 bps
Efficiency Ratio107.64%108.84%96.16%98.35%95.96%96.21%84.56%87.88%-1,047 bps
Non-Interest Burden2.94%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 / Loans0.17%0.26%0.11%0.11%0.14%0.10%0.09%0.02%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.15%-0.05%-0.05%-0.01%-0.01%+14 bps
Allowance / Loans0.74%0.77%0.78%0.79%0.76%0.77%0.78%0.81%+2 bps
Allowance Coverage of NPLs4.5x3.0x7.2x7.3x5.4x7.9x8.6x36.9x+29.6x
Capital
Tier 1 Leverage Ratio9.06%9.01%9.12%9.19%9.24%9.30%9.46%9.67%+48 bps
Total Risk-Based Capital13.89%13.82%14.00%14.14%14.40%14.57%15.06%15.60%+146 bps
Equity / Assets9.73%9.64%9.70%9.76%9.77%9.84%9.95%10.25%+50 bps
Liquidity & Funding
Loans / Deposits107.70%108.92%111.34%109.34%107.37%109.44%110.67%113.81%+447 bps
Liquid Assets / Assets10.03%9.96%10.25%10.42%10.79%10.61%10.20%10.85%+43 bps
CRE / Total Capitaln/an/an/an/a120.99%131.13%124.72%n/an/a