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Letter portraitLegal landscapeQuarterYTD

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