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Aroostook County Federal Savings & Loan Association

Caribou, ME · Cert 29743

SL · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Aroostook County Federal Savings & Loan Association

Caribou, ME · Cert 29743

SL · OCC · 2 branches

Q2 2026

$214.0MAssets
$164.9MLoans
$185.0MDeposits
$21.2MEquity
Loan mix
63%RE $95.3M21%C&I $32.1M16%Consumer $24.1MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $177.8M4%Noninterest $7.2MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.96%Q2 ’255.23%Q2 ’26+25%+20%

Non-interest income vs. expense

2.09%Q2 ’242.28%Q2 ’252.50%Q2 ’26+5%+10%

Executive Summary

  • Earnings: ROA of 0.85%, up 31 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.39% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.39%, up 26 bps from a year ago.
  • Funding: loans stand at 89.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+52 bps YoY

Efficiency Ratio (YTD, annualized)

70.14%-568 bps YoY

Tier 1 Leverage Ratio

10.39%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.60%0.65%0.90%0.85%+31 bps
Return on Equity5.78%6.34%6.79%8.99%8.52%+274 bps
Net Interest Margin2.54%2.59%2.67%3.01%3.06%+52 bps
Efficiency Ratio75.83%73.20%73.22%67.15%70.14%-568 bps
Non-Interest Burden1.82%1.77%1.83%1.86%2.00%+18 bps
Growth
Asset Growth (YoY)5.74%4.12%0.45%2.65%6.57%+83 bps
Loan Growth (YoY)4.86%7.17%9.75%11.97%17.50%+1,264 bps
Deposit Growth (YoY)6.56%4.99%0.18%0.09%4.56%-200 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.66%0.36%0.24%0.39%-8 bps
Net Charge-Offs / Loans0.05%0.07%0.06%0.00%0.00%-6 bps
Allowance / Loans0.63%0.62%0.59%0.58%0.54%-9 bps
Allowance Coverage of NPLs1.3x0.9x1.7x2.4x1.4x0.0x
Capital
Tier 1 Leverage Ratio10.13%10.10%10.24%10.38%10.39%+26 bps
Total Risk-Based Capital18.13%18.27%18.17%17.75%16.69%-144 bps
Equity / Assets9.57%9.88%9.98%10.12%9.89%+32 bps
Liquidity & Funding
Loans / Deposits79.33%81.52%83.04%86.38%89.15%+982 bps
Liquid Assets / Assets1.56%1.71%1.75%1.49%2.11%+54 bps
CRE / Total Capitaln/a3.58%3.22%3.20%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Aroostook County Federal Savings & Loan Association

Caribou, ME · Cert 29743 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · OCC · 2 branches

Q2 2026

$214.0MAssets
$164.9MLoans
$185.0MDeposits
$21.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 71% of banks under $1B in assets operating in a single state (rank 218 of 743).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets operating in a single state (rank 596 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.83%

Rank 505 of 746

Net Interest Margin

3.06%

Rank 596 of 746

Efficiency Ratio

70.14%

Rank 471 of 746

Equity / Assets

9.89%

Rank 443 of 746

Non-interest income vs. expense

$1.0M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state
Bank 70.14%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.83%0.72%1.06%1.45%Beats 32%505 / 746
Return on Equity8.35%6.74%10.51%13.63%Beats 36%477 / 746
Net Interest Margin3.06%3.17%3.68%4.16%Beats 20%596 / 746
Efficiency Ratio70.14%55.74%64.58%75.47%Beats 37%471 / 746
Asset Quality
Nonperforming Loans / Loans0.39%0.09%0.42%1.07%Beats 53%353 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 71%218 / 743
Capital
Tier 1 Capital Ratio16.04%11.55%13.75%17.60%Beats 68%236 / 746
Total Risk-Based Capital Ratio16.69%11.71%14.33%18.43%Beats 68%241 / 746
Equity / Assets9.89%8.90%10.51%13.06%Beats 41%443 / 746
Liquidity & Funding
Loans / Deposits89.15%61.31%78.27%90.78%72nd pctl211 / 746
Loans / Assets77.07%53.60%66.97%76.08%78th pctl162 / 746
Brokered Deposits / Depositsn/aNot reported for this institution