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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

4.56%Q2 ’245.03%Q2 ’255.38%Q2 ’26+32%+20%

Non-interest income vs. expense

2.16%Q2 ’242.46%Q2 ’252.69%Q2 ’26+13%+10%

Executive Summary

  • Earnings: ROA of 0.81%, up 34 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.39% of loans (-8 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

0.81%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.16%+52 bps YoY

Efficiency Ratio (quarter, annualized)

72.94%-581 bps YoY

Tier 1 Leverage Ratio

10.39%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.72%0.80%0.90%0.81%+34 bps
Return on Equity4.94%7.42%8.02%8.99%8.07%+313 bps
Net Interest Margin2.64%2.79%2.97%3.01%3.16%+52 bps
Efficiency Ratio78.75%68.46%73.27%67.15%72.94%-581 bps
Non-Interest Burden1.98%1.76%2.02%1.86%2.16%+19 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 / Loans0.00%0.10%0.05%0.00%-0.01%-1 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