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
Unfavorable gap of $4.2M · efficiency ratio beats 44% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.60% | 1.00% | 1.45% | Beats 36% | 394 / 620 | | |
| Return on Equity | 8.35% | 5.30% | 9.30% | 13.29% | Beats 43% | 351 / 620 | | |
| Net Interest Margin | 3.06% | 3.02% | 3.53% | 4.04% | Beats 27% | 454 / 620 | | |
| Efficiency Ratio | 70.14% | 58.35% | 68.08% | 79.37% | Beats 44% | 346 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.47% | 1.27% | Beats 55% | 259 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 183 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 16.04% | 11.27% | 13.87% | 18.78% | Beats 64% | 223 / 620 | | |
| Total Risk-Based Capital Ratio | 16.69% | 11.69% | 14.57% | 19.67% | Beats 65% | 220 / 620 | | |
| Equity / Assets | 9.89% | 9.03% | 10.60% | 13.73% | Beats 41% | 368 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.15% | 65.08% | 79.69% | 92.47% | 68th pctl | 188 / 585 | | |
| Loans / Assets | 77.07% | 51.85% | 67.17% | 77.86% | 74th pctl | 164 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |