| Metric | Bangor Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | +0.0 pts |
| Deposit growth (YoY) | -3.3% | +5.1% | -8.3 pts |
| Loan growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| ROA | 0.37% | 1.26% | -0.9 pts |
| ROE | 5.3% | 12.2% | -6.9 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.74B | $5.72B | $5.20B | $539.6M | $14.0M | 0.37% | 2.98% | 0.32% |
| Q1 2026 | $7.42B | $5.72B | $5.08B | $534.0M | $4.7M | 0.25% | 2.96% | 0.31% |
| Q4 2025 | $7.35B | $5.70B | $5.09B | $527.5M | $28.5M | 0.39% | 2.59% | 0.26% |
| Q3 2025 | $7.29B | $5.82B | $5.02B | $488.6M | $11.7M | 0.21% | 2.50% | 0.16% |
| Q2 2025 | $7.34B | $5.92B | $5.03B | $467.6M | $3.9M | 0.11% | 2.42% | 0.46% |
| Q1 2025 | $7.24B | $6.18B | $4.94B | $455.2M | $2.3M | 0.13% | 2.37% | 0.11% |
| Q4 2024 | $7.24B | $5.96B | $4.91B | $430.2M | $12.3M | 0.17% | 2.17% | 0.13% |
| Q3 2024 | $7.22B | $5.44B | $4.83B | $451.6M | $8.4M | 0.16% | 2.13% | 0.10% |
Loan mix (Q2 2026): real estate $4.77B · commercial $331.6M · consumer $50.0M · securities $1.73B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bangor Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 59.0% | 95th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bangor Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bangor Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bangor Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bangor Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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