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Androscoggin Savings Bank

$1B-$10B Specialty: Commercial ME FDIC cert 17751

Designations: ✓ Community bank

Lewiston, ME

10 branches across ME

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in ME.
  • Deposits +4.2% year over year ($1.4B on the books).
  • Delinquency rate 0.48%.
  • Return on assets 0.67%.
  • Efficiency ratio 73.92% vs a 59.73% peer average.
  • Loan-to-deposit ratio 102.22% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in ME
View $1B-$10B leaderboard (ME) →

Androscoggin Savings Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 12.3% in tier
  • - Credit Risk Growth: Bottom 14.9% in tier
  • - Liquidity Strain: Bottom 37.4% in tier
  • - ROA 0.72% below tier average
  • - Net Interest Margin 0.81% below tier average
  • - Efficiency Ratio 14.20% above tier average
Get updates when Androscoggin Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $1.8B
+0.0% YoY -0.9% QoQ
-$1.0B $2.8B
-0.6% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $1.5B
+1.3% YoY -0.7% QoQ
-$500.7M $2.0B
-0.3% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $1.4B
+4.2% YoY +0.4% QoQ
-$888.1M $2.3B
-0.5% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 0.67%
+47.7% YoY +22.1% QoQ
-0.72% 1.39%
+17.0% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
Bottom 12.7% in tier
Net Interest Margin ? 3.06%
+6.6% YoY +6.2% QoQ
-0.81% 3.87%
+6.2% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 73.92%
-7.0% YoY -2.7% QoQ
+14.20% 59.73%
-12.6% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
Bottom 14.5% in tier
Delinquency Rate ? 0.48%
+186.6% YoY -23.5% QoQ
-0.38% 0.87%
+11.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 102.22%
-2.7% YoY -1.1% QoQ
+17.19% 85.04%
-0.1% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
Bottom 10.3% in tier
Non-Interest-Bearing Deposit Share ? 13.92%
-7.5% YoY +0.1% QoQ
-7.36% 21.27%
-1.5% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.40%
+190.4% YoY -23.3% QoQ
-0.27% 0.67%
+11.7% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 13.15%
+1.9% YoY +1.9% QoQ
-1.69% 14.84%
-0.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.27%
+27.7% YoY +111.1% QoQ
-0.26% 0.53%
+2.5% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Noninterest-Bearing 13.9%
-1.1pp YoY
0.0pp QoQ
 -7.5pp 21.4% 16.8% 22.2% 23%
Brokered Deposits 27.6%
+3.1pp YoY
+2.7pp QoQ
 +18.2pp 9.5% 12.9% 8.5% 93%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I 9.0%
-1.4pp YoY
-1.0pp QoQ
 -5.0pp 14.0% 8.7% 12.5% 39%
CRE 45.9%
+1.1pp YoY
+0.4pp QoQ
 -4.1pp 50.0% 38.6% 41.4% 39%
1-4 Family 40.8%
+0.2pp YoY
+0.4pp QoQ
 +14.3pp 26.4% 49.6% 31.3% 83%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 1.9% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 13.2%
+0.2pp YoY
+0.2pp QoQ
 -2.4pp 15.6% 15.4% 19.7% 44%
Leverage Ratio 10.8%
+0.3pp YoY
0.0pp QoQ
 -0.5pp 11.3% 11.6% 12.6% 56%
Total Capital Ratio 14.2%
+0.3pp YoY
+0.3pp QoQ
 -2.5pp 16.7% 16.4% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 196
-11 (-5.3%) YoY
-2 (-1.0%) QoQ
 -118 313 259 482 40%
Assets per Employee ($) $9.0M
+5.7% YoY
+0.1% QoQ
 -$1.5M $10.5M $8.5M $8.8M 54%
Branch Count 10
-1 (-9.1%) YoY
-1 (-9.1%) QoQ
 -10 20 18 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.0% 0.4% n/a
Nonaccrual 0.5%
+0.3pp YoY
-0.1pp QoQ
 -0.3pp 0.8% 0.6% 1.0% 47%
Allowance Coverage 2.07x
-63.2% YoY
+33.2% QoQ
 -16.64x 18.71x 7.67x 20.23x 50%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 6.5%
+1.5pp YoY
+1.1pp QoQ
 -6.1pp 12.6% 8.8% 11.6% 13%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.2pp 1.9% 2.0% 1.7% 68%
Net Income ($, YTD) $6.0M
+55.0% YoY
— QoQ
 -$13.2M $19.2M $12.8M $40.4M 17%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#21 of 162 • Bottom 12.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.67%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Risk Growth

risk
#61 of 402 • Bottom 14.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#136 of 361 • Bottom 37.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 102.22%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

795
Loan-to-Deposit Ratio
liquidity
Value: 102.22%
Peer Median: 85.04%
#795 of 885 Bottom 10.3% in $1B-$10B
774
Return on Assets
profitability
Value: 0.67%
Peer Median: 1.39%
#774 of 885 Bottom 12.7% in $1B-$10B
758
Efficiency Ratio
profitability
Value: 73.92%
Peer Median: 59.73%
#758 of 885 Bottom 14.5% in $1B-$10B
736
Net Interest Margin
profitability
Value: 3.06%
Peer Median: 3.87%
#736 of 885 Bottom 16.9% in $1B-$10B
677
Non-Interest-Bearing Deposit Share
funding
Value: 13.92%
Peer Median: 21.27%
#677 of 885 Bottom 23.6% in $1B-$10B
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