| Metric | Kennebunk Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +5.5% | +6.9 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.8 pts |
| Loan growth (YoY) | +15.3% | +5.9% | +9.4 pts |
| ROA | 0.88% | 1.26% | -0.4 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.17B | $1.68B | $1.78B | $190.8M | $9.2M | 0.88% | 3.64% | 0.09% |
| Q1 2026 | $2.10B | $1.67B | $1.71B | $185.7M | $4.5M | 0.88% | 3.63% | 0.13% |
| Q4 2025 | $2.02B | $1.63B | $1.63B | $181.6M | $14.6M | 0.75% | 3.58% | 0.12% |
| Q3 2025 | $1.97B | $1.69B | $1.58B | $172.8M | $10.1M | 0.70% | 3.52% | 0.12% |
| Q2 2025 | $1.93B | $1.64B | $1.54B | $165.3M | $5.9M | 0.62% | 3.41% | 0.13% |
| Q1 2025 | $1.90B | $1.61B | $1.51B | $160.4M | $2.7M | 0.57% | 3.36% | 0.05% |
| Q4 2024 | $1.87B | $1.63B | $1.49B | $153.1M | $9.6M | 0.52% | 3.20% | 0.03% |
| Q3 2024 | $1.86B | $1.65B | $1.46B | $158.6M | $6.3M | 0.46% | 3.09% | 0.03% |
Loan mix (Q2 2026): real estate $1.69B · commercial $102.9M · consumer $822K · securities $220.2M
| Ratio | Kennebunk Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.26% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 59.0% | 77th |
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 | Kennebunk 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 | Kennebunk 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 | Kennebunk 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 | Kennebunk 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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