PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Maine State

Augusta, ME · Charter 63377

NCUA · 5 branches

Q2 2026

$805.9MAssets
$610.2MLoans
$696.5MShares
$78.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.26%, down 9 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.79% of loans (-47 bps YoY).
  • Capital: net worth / assets of 9.78%, down 44 bps from a year ago.
  • Funding: loans stand at 87.61% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.26%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+15 bps YoY

Efficiency Ratio (YTD, annualized)

84.37%+704 bps YoY

Net Worth / Assets

9.78%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.15%0.34%0.35%0.39%0.29%0.21%0.26%-9 bps
Return on Equity1.20%1.40%3.22%3.47%3.76%2.90%2.08%2.70%-77 bps
Net Interest Margin2.90%2.89%3.09%3.04%3.10%3.05%3.22%3.19%+15 bps
Efficiency Ratio84.51%83.08%77.77%77.33%77.24%79.61%84.47%84.37%+704 bps
Growth
Asset Growth (YoY)12.51%9.18%5.83%9.53%11.06%11.05%7.60%7.14%-239 bps
Loan Growth (YoY)24.98%24.20%20.55%11.44%10.58%10.13%12.52%16.40%+497 bps
Share Growth (YoY)12.43%5.74%2.43%6.22%8.01%11.66%7.46%4.28%-193 bps
Asset Quality
Delinquent Loans / Loans1.01%1.10%1.01%1.26%1.26%1.14%0.82%0.79%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.09%10.77%10.40%10.22%10.32%9.98%9.92%9.78%-44 bps
Net Worth / Assets11.09%10.77%10.40%10.22%10.32%9.98%9.92%9.78%-44 bps
Liquidity & Funding
Loans / Shares80.99%83.78%80.81%78.49%82.91%82.63%84.62%87.61%+912 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps