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
Unfavorable gap of $4.2M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 32% | 505 / 746 | | |
| Return on Equity | 8.35% | 6.74% | 10.51% | 13.63% | Beats 36% | 477 / 746 | | |
| Net Interest Margin | 3.06% | 3.17% | 3.68% | 4.16% | Beats 20% | 596 / 746 | | |
| Efficiency Ratio | 70.14% | 55.74% | 64.58% | 75.47% | Beats 37% | 471 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.42% | 1.07% | Beats 53% | 353 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 218 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.04% | 11.55% | 13.75% | 17.60% | Beats 68% | 236 / 746 | | |
| Total Risk-Based Capital Ratio | 16.69% | 11.71% | 14.33% | 18.43% | Beats 68% | 241 / 746 | | |
| Equity / Assets | 9.89% | 8.90% | 10.51% | 13.06% | Beats 41% | 443 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.15% | 61.31% | 78.27% | 90.78% | 72nd pctl | 211 / 746 | | |
| Loans / Assets | 77.07% | 53.60% | 66.97% | 76.08% | 78th pctl | 162 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |