Bath, ME · Cert 29636
State savings bank · OCC · 5 branches
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
91
Asset Quality
22
Profitability
25
Liquidity
0
Efficiency
12
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.
Bath, ME · Cert 29636
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 0.4% share · #18 of 23 inst. · $0.1B of $22.8B
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 | 0.34% | 0.38% | 0.14% | 0.23% | 0.33% | 0.29% | 0.56% | 0.49% | +26 bps | |
| Return on Equity | 2.31% | 2.57% | 0.93% | 1.58% | 2.19% | 1.97% | 3.64% | 3.24% | +166 bps | |
| Net Interest Margin | 3.18% | 3.15% | 3.09% | 3.16% | 3.25% | 3.33% | 3.67% | 3.64% | +48 bps | |
| Efficiency Ratio | 87.25% | 88.55% | 94.64% | 91.55% | 88.61% | 89.52% | 82.87% | 84.62% | -693 bps | |
| Non-Interest Burden | 2.72% | 2.74% | 2.91% | 2.86% | 2.83% | 2.94% | 2.97% | 3.02% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | 2.08% | 4.66% | 2.95% | 2.62% | 1.97% | 0.15% | 1.90% | -105 bps | |
| Loan Growth (YoY) | 5.52% | 6.19% | 6.68% | 6.02% | 6.19% | 3.65% | 2.91% | 1.08% | -494 bps | |
| Deposit Growth (YoY) | -5.00% | 0.88% | 4.86% | 1.94% | 3.22% | -1.25% | -0.26% | 3.36% | +142 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.05% | 2.00% | 2.22% | 2.11% | 2.30% | 2.31% | 2.49% | 2.89% | +77 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.03% | 0.02% | 0.01% | 0.00% | 0.04% | +1 bps | |
| Allowance / Loans | 1.40% | 1.37% | 1.35% | 1.33% | 1.31% | 1.27% | 1.27% | 1.25% | -8 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.6x | 0.6x | 0.6x | 0.5x | 0.5x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.56% | 14.63% | 14.45% | 14.49% | 14.67% | 14.73% | 14.65% | 14.79% | +30 bps | |
| Total Risk-Based Capital | 27.02% | 26.75% | 27.14% | 27.17% | 27.14% | 26.89% | 27.20% | 27.19% | +3 bps | |
| Equity / Assets | 14.65% | 14.94% | 14.73% | 14.90% | 14.99% | 15.21% | 15.29% | 15.18% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.26% | 101.30% | 100.55% | 105.18% | 102.11% | 106.32% | 103.75% | 102.86% | -232 bps | |
| Liquid Assets / Assets | 5.61% | 4.65% | 5.44% | 5.29% | 4.73% | 4.13% | 4.03% | 4.91% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 47.25% | 51.84% | 49.03% | n/a | n/a | |
Bath, ME · Cert 29636 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
0.49%
Rank 635 of 746
Net Interest Margin
3.64%
Rank 385 of 746
Efficiency Ratio
84.62%
Rank 660 of 746
Equity / Assets
15.18%
Rank 92 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.72% | 1.06% | 1.45% | Beats 15% | 635 / 746 | ||
| Return on Equity | 3.22% | 6.74% | 10.51% | 13.63% | Beats 12% | 658 / 746 | ||
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 385 / 746 | ||
| Efficiency Ratio | 84.62% | 55.74% | 64.58% | 75.47% | Beats 12% | 660 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.89% | 0.09% | 0.42% | 1.07% | Beats 6% | 702 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 37% | 467 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.94% | 11.55% | 13.75% | 17.60% | Beats 92% | 58 / 746 | ||
| Total Risk-Based Capital Ratio | 27.19% | 11.71% | 14.33% | 18.43% | Beats 93% | 55 / 746 | ||
| Equity / Assets | 15.18% | 8.90% | 10.51% | 13.06% | Beats 88% | 92 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.86% | 61.31% | 78.27% | 90.78% | 93rd pctl | 54 / 746 | ||
| Loans / Assets | 78.53% | 53.60% | 66.97% | 76.08% | 81st pctl | 143 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||