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Kennebec Savings Bank

$1B-$10B Specialty: Commercial ME FDIC cert 17897

Designations: ✓ Community bank

Augusta, ME

8 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 +3.9% year over year ($1.4B on the books).
  • Delinquency rate 0.46%.
  • Return on assets 1.37%.
  • Efficiency ratio 71.40% vs a 59.73% peer average.
  • Loan-to-deposit ratio 110.80% 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) →

Kennebec Savings Bank has 1 strength but faces 4 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 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.1% in tier
  • - Credit Risk Growth: Bottom 20.9% in tier
  • - Net Interest Margin 0.82% below tier average
  • - Efficiency Ratio 11.67% above tier average
Get updates when Kennebec 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 ? $1.9B
+4.5% YoY +2.4% QoQ
-$921.9M $2.8B
-0.6% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $1.6B
+4.9% YoY +2.4% QoQ
-$405.2M $2.0B
-0.3% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $1.4B
+3.9% YoY +0.7% QoQ
-$912.7M $2.3B
-0.5% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.37%
+40.1% YoY +142.0% QoQ
-0.03% 1.39%
+17.0% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 3.05%
+10.9% YoY +0.7% QoQ
-0.82% 3.87%
+6.2% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 71.40%
-6.5% YoY +2.7% QoQ
+11.67% 59.73%
-12.6% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.46%
+27.5% YoY +0.6% QoQ
-0.40% 0.87%
+11.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 110.80%
+1.0% YoY +1.6% QoQ
+25.77% 85.04%
-0.1% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
Bottom 4.4% in tier
Non-Interest-Bearing Deposit Share ? 9.86%
+3.0% YoY +11.1% QoQ
-11.41% 21.27%
-1.5% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
Bottom 10.2% in tier
Nonperforming Asset Ratio ? 0.39%
+28.0% YoY +0.6% QoQ
-0.29% 0.67%
+11.7% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 17.32%
+2.0% YoY -1.4% QoQ
+2.48% 14.84%
-0.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
Top 13.7% in tier
Non-Interest Income / Assets ? 0.18%
+2.9% YoY +101.0% QoQ
-0.34% 0.53%
+2.5% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
28%

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 9.9%
+0.3pp YoY
+1.0pp QoQ
 -11.5pp 21.4% 16.8% 22.2% 10%
Brokered Deposits 12.8%
-0.5pp YoY
-0.1pp QoQ
 +3.3pp 9.5% 12.9% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I 6.0%
+0.4pp YoY
+0.2pp QoQ
 -8.0pp 14.0% 8.7% 12.5% 24%
CRE 25.7%
-0.8pp YoY
-0.2pp QoQ
 -24.3pp 50.0% 38.6% 41.4% 9%
1-4 Family 67.8%
+0.5pp YoY
0.0pp QoQ
 +41.4pp 26.4% 49.6% 31.3% 96%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.5pp 4.7% 1.9% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 17.3%
+0.3pp YoY
-0.2pp QoQ
 +1.7pp 15.6% 15.4% 19.7% 84%
Leverage Ratio 14.0%
+0.7pp YoY
+0.4pp QoQ
 +2.6pp 11.3% 11.6% 12.6% 90%
Total Capital Ratio 18.0%
+0.3pp YoY
-0.3pp QoQ
 +1.3pp 16.7% 16.4% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 204
+14 (+7.4%) YoY
+12 (+6.2%) QoQ
 -110 313 259 482 42%
Assets per Employee ($) $9.2M
-2.7% YoY
-3.7% QoQ
 -$1.3M $10.5M $8.5M $8.8M 56%
Branch Count 8
0 YoY
0 QoQ
 -12 20 18 18 20%

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%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.6% 1.0% 45%
Allowance Coverage 1.33x
-22.2% YoY
+0.2% QoQ
 -17.38x 18.71x 7.67x 20.23x 34%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 10.3%
+2.5pp YoY
+6.0pp QoQ
 -2.3pp 12.6% 8.8% 11.6% 36%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.9% 2.0% 1.7% 46%
Net Income ($, YTD) $12.6M
+45.6% YoY
— QoQ
 -$6.7M $19.2M $12.8M $40.4M 50%

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 (2)

Liquidity Overhang

risk
#27 of 172 • Bottom 15.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.32%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 110.80%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#85 of 402 • Bottom 20.9% 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 declining

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 (1 metrics)

122
Tier 1 Capital Ratio
capital
Value: 17.32%
Peer Median: 14.84%
#122 of 885 Top 13.7% in $1B-$10B

Top Weaknesses (4 metrics)

847
Loan-to-Deposit Ratio
liquidity
Value: 110.80%
Peer Median: 85.04%
#847 of 885 Bottom 4.4% in $1B-$10B
796
Non-Interest-Bearing Deposit Share
funding
Value: 9.86%
Peer Median: 21.27%
#796 of 885 Bottom 10.2% in $1B-$10B
739
Net Interest Margin
profitability
Value: 3.05%
Peer Median: 3.87%
#739 of 885 Bottom 16.6% in $1B-$10B
723
Efficiency Ratio
profitability
Value: 71.40%
Peer Median: 59.73%
#723 of 885 Bottom 18.4% in $1B-$10B
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