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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 assets3

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 (n=573 to 620). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

44

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 2026-10-10

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 $24.1MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $177.8M4%Noninterest $7.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.36%0.61%0.54%0.60%0.65%0.90%0.85%+31 bps
Return on Equity3.38%4.00%6.63%5.78%6.34%6.79%8.99%8.52%+274 bps
Net Interest Margin1.98%2.07%2.44%2.54%2.59%2.67%3.01%3.06%+52 bps
Efficiency Ratio85.55%83.29%72.68%75.83%73.20%73.22%67.15%70.14%-568 bps
Non-Interest Burden1.64%1.66%1.65%1.82%1.77%1.83%1.86%2.00%+18 bps
Growth
Asset Growth (YoY)7.52%7.89%7.71%5.74%4.12%0.45%2.65%6.57%+83 bps
Loan Growth (YoY)2.14%0.88%2.49%4.86%7.17%9.75%11.97%17.50%+1,264 bps
Deposit Growth (YoY)5.25%8.74%9.83%6.56%4.99%0.18%0.09%4.56%-200 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.48%0.33%0.47%0.66%0.36%0.24%0.39%-8 bps
Net Charge-Offs / Loans-0.01%-0.01%0.11%0.05%0.07%0.06%0.00%0.00%-6 bps
Allowance / Loans0.63%0.64%0.61%0.63%0.62%0.59%0.58%0.54%-9 bps
Allowance Coverage of NPLs1.2x1.3x1.8x1.3x0.9x1.7x2.4x1.4x0.0x
Capital
Tier 1 Leverage Ratio9.88%9.88%9.97%10.13%10.10%10.24%10.38%10.39%+26 bps
Total Risk-Based Capital18.23%18.41%18.41%18.13%18.27%18.17%17.75%16.69%-144 bps
Equity / Assets9.39%8.90%9.46%9.57%9.88%9.98%10.12%9.89%+32 bps
Liquidity & Funding
Loans / Deposits79.86%75.79%77.22%79.33%81.52%83.04%86.38%89.15%+982 bps
Liquid Assets / Assets1.66%0.56%1.21%1.56%1.71%1.75%1.49%2.11%+54 bps
CRE / Total Capitaln/an/an/an/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 2026-10-10

Aroostook County Federal Savings & Loan Association

Caribou, ME · Cert 29743 · Peer group: banks under $1B in assets (n=573-620)

SL · OCC · 2 branches

Q2 2026

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

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 68% of banks under $1B in assets (rank 183 of 573).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets (rank 454 of 620).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.83%

Rank 394 of 620

Net Interest Margin

3.06%

Rank 454 of 620

Efficiency Ratio

70.14%

Rank 346 of 620

Equity / Assets

9.89%

Rank 368 of 620

Non-interest income vs. expense

$1.0M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 44% of banks under $1B in assets
Bank 70.14%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.83%0.60%1.00%1.45%Beats 36%394 / 620
Return on Equity8.35%5.30%9.30%13.29%Beats 43%351 / 620
Net Interest Margin3.06%3.02%3.53%4.04%Beats 27%454 / 620
Efficiency Ratio70.14%58.35%68.08%79.37%Beats 44%346 / 620
Asset Quality
Nonperforming Loans / Loans0.39%0.09%0.47%1.27%Beats 55%259 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 68%183 / 573
Capital
Tier 1 Capital Ratio16.04%11.27%13.87%18.78%Beats 64%223 / 620
Total Risk-Based Capital Ratio16.69%11.69%14.57%19.67%Beats 65%220 / 620
Equity / Assets9.89%9.03%10.60%13.73%Beats 41%368 / 620
Liquidity & Funding
Loans / Deposits89.15%65.08%79.69%92.47%68th pctl188 / 585
Loans / Assets77.07%51.85%67.17%77.86%74th pctl164 / 620
Brokered Deposits / Depositsn/aNot reported for this institution