PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sabattus Regional

Sabattus, ME · Charter 64062

NCUA · 1 branch

Q2 2026

$85.2MAssets
$39.2MLoans
$75.9MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.81%, down 11 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.76% of loans (+42 bps YoY).
  • Capital: net worth / assets of 10.29%, up 74 bps from a year ago.
  • Funding: loans stand at 51.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.81%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+28 bps YoY

Efficiency Ratio (YTD, annualized)

80.18%+222 bps YoY

Net Worth / Assets

10.29%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.73%0.74%0.92%1.02%1.00%0.77%0.81%-11 bps
Return on Equity7.91%7.68%7.87%9.64%10.27%10.04%7.66%7.90%-174 bps
Net Interest Margin2.94%2.98%3.04%3.09%3.20%3.17%3.28%3.37%+28 bps
Efficiency Ratio82.36%82.03%81.59%77.96%75.72%76.10%81.18%80.18%+222 bps
Growth
Asset Growth (YoY)5.05%7.67%6.56%5.90%5.16%6.65%4.81%2.19%-371 bps
Loan Growth (YoY)4.54%6.75%9.23%9.69%12.24%13.42%14.21%15.55%+586 bps
Share Growth (YoY)4.60%7.57%6.26%5.53%4.45%6.01%4.03%1.25%-428 bps
Asset Quality
Delinquent Loans / Loans0.21%0.19%0.37%0.34%0.62%0.63%1.00%0.76%+42 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 Capital9.42%9.52%9.44%9.55%9.89%9.93%10.01%10.29%+74 bps
Net Worth / Assets9.42%9.52%9.44%9.55%9.89%9.93%10.01%10.29%+74 bps
Liquidity & Funding
Loans / Shares43.11%43.59%44.16%45.27%46.33%46.63%48.48%51.66%+639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps