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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.33% | 0.29% | 0.56% | 0.49% | +26 bps | |
| Return on Equity | 1.58% | 2.19% | 1.97% | 3.64% | 3.24% | +166 bps | |
| Net Interest Margin | 3.16% | 3.25% | 3.33% | 3.67% | 3.64% | +48 bps | |
| Efficiency Ratio | 91.55% | 88.61% | 89.52% | 82.87% | 84.62% | -693 bps | |
| Non-Interest Burden | 2.86% | 2.83% | 2.94% | 2.97% | 3.02% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.95% | 2.62% | 1.97% | 0.15% | 1.90% | -105 bps | |
| Loan Growth (YoY) | 6.02% | 6.19% | 3.65% | 2.91% | 1.08% | -494 bps | |
| Deposit Growth (YoY) | 1.94% | 3.22% | -1.25% | -0.26% | 3.36% | +142 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.11% | 2.30% | 2.31% | 2.49% | 2.89% | +77 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.00% | 0.04% | +1 bps | |
| Allowance / Loans | 1.33% | 1.31% | 1.27% | 1.27% | 1.25% | -8 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.5x | 0.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.49% | 14.67% | 14.73% | 14.65% | 14.79% | +30 bps | |
| Total Risk-Based Capital | 27.17% | 27.14% | 26.89% | 27.20% | 27.19% | +3 bps | |
| Equity / Assets | 14.90% | 14.99% | 15.21% | 15.29% | 15.18% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.18% | 102.11% | 106.32% | 103.75% | 102.86% | -232 bps | |
| Liquid Assets / Assets | 5.29% | 4.73% | 4.13% | 4.03% | 4.91% | -38 bps | |
| CRE / Total Capital | n/a | 47.25% | 51.84% | 49.03% | n/a | n/a | |