Maine Community Bank
Total assets
$2.98B
▲ +8.2% YoY
Deposits
$2.30B
▲ +2.0% YoY
Loans
$2.46B
▲ +8.6% YoY
Offices
23
MAINE COMMUNITY BCORP MHC
ROA (annualized)
1.17%
peers 1.26%
ROE (annualized)
12.49%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Maine Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.5% | +2.7 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 12.5% | 12.2% | +0.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
Profile
- Established
- 1867
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MAINE COMMUNITY BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 1 India St, Portland, ME, 04101
- County
- Cumberland
- Metro area
- Portland-South Portland, ME
- Offices
- 23
- FDIC cert #
- 17741
- RSSD ID
- 499501
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.98B | $2.30B | $2.46B | $280.5M | $17.0M | 1.17% | 3.63% | 0.46% |
| Q1 2026 | $2.89B | $2.27B | $2.38B | $271.1M | $7.0M | 0.98% | 3.58% | 0.46% |
| Q4 2025 | $2.85B | $2.29B | $2.36B | $264.5M | $17.2M | 0.70% | 4.11% | 0.48% |
| Q3 2025 | $2.78B | $2.32B | $2.29B | $256.9M | $12.1M | 0.68% | 4.23% | 0.49% |
| Q2 2025 | $2.76B | $2.25B | $2.26B | $251.0M | $8.9M | 0.81% | 4.42% | 0.52% |
| Q1 2025 | $2.70B | $2.27B | $2.21B | $244.1M | $3.1M | 0.64% | 4.90% | 0.36% |
| Q4 2024 | $1.17B | $895.7M | $983.8M | $147.3M | $7.3M | 0.65% | 3.08% | 0.30% |
| Q3 2024 | $1.16B | $905.6M | $975.5M | $146.2M | $5.3M | 0.62% | 3.05% | 0.23% |
Loan mix (Q2 2026): real estate $2.20B · commercial $222.5M · consumer $5.0M · securities $242.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Maine Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 59.0% | 62th | |
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% |
Balance sheet
| Ratio | Maine Community 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% |
Capital
| Ratio | Maine Community 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% |
Credit quality
| Ratio | Maine Community 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% |
Franchise
| Ratio | Maine Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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