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Skowhegan Savings Bank

$100M-$1B Specialty: Commercial ME FDIC cert 19532

Designations: ✓ Mutual

Skowhegan, ME

13 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 6 in ME.
  • Deposits +1.2% year over year ($715.3M on the books).
  • Delinquency rate 0.42%.
  • Return on assets 1.58%.
  • Efficiency ratio 73.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.36% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 6 in ME
View $100M-$1B leaderboard (ME) →

Skowhegan Savings Bank has 2 strengths 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

  • + ROA 0.26% above tier average
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 21.4% in tier
  • - Credit Quality Pressure: Bottom 28.3% in tier
  • - Net Interest Margin 0.06% below tier average
  • - Efficiency Ratio 9.43% above tier average
Get updates when Skowhegan 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 ? $855.0M
+1.4% YoY +1.4% QoQ
+$468.4M $386.6M
+1.2% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
Top 5.4% in tier
Total Loans ? $610.6M
-0.2% YoY +0.1% QoQ
+$352.2M $258.3M
+1.7% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
Top 5.6% in tier
Total Deposits ? $715.3M
+1.2% YoY +0.5% QoQ
+$388.6M $326.7M
+0.7% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
Top 5.9% in tier
Return on Assets ? 1.58%
+60.8% YoY +70.0% QoQ
+0.26% 1.32%
+10.8% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 3.93%
+8.6% YoY +1.2% QoQ
-0.06% 3.99%
+5.0% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 73.91%
+0.4% YoY +2.4% QoQ
+9.43% 64.48%
-3.2% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 0.42%
+37.0% YoY +8.8% QoQ
-0.49% 0.92%
+15.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 85.36%
-1.4% YoY -0.3% QoQ
+7.40% 77.95%
+1.0% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 23.43%
+1.1% YoY +5.2% QoQ
+1.40% 22.03%
-0.6% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.30%
+31.4% YoY +7.4% QoQ
-0.37% 0.67%
+16.4% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 22.46%
+7.9% YoY +1.7% QoQ
+6.55% 15.91%
+1.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
Top 9.6% in tier
Non-Interest Income / Assets ? 0.23%
+3.5% YoY +106.3% QoQ
-0.34% 0.57%
+7.6% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
59%

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 23.4%
+0.3pp YoY
+1.2pp QoQ
 +1.3pp 22.1% 16.8% 22.2% 60%
Brokered Deposits n/a n/a 7.9% 12.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I 8.8%
+0.3pp YoY
+0.1pp QoQ
 -2.8pp 11.6% 8.7% 12.5% 45%
CRE 29.2%
-1.4pp YoY
-0.3pp QoQ
 -10.3pp 39.5% 38.6% 41.4% 33%
1-4 Family 54.5%
+1.6pp YoY
+0.2pp QoQ
 +21.8pp 32.6% 49.6% 31.3% 86%
Consumer 7.8%
-0.3pp YoY
0.0pp QoQ
 +3.7pp 4.1% 1.9% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 22.5%
+1.6pp YoY
+0.4pp QoQ
 +3.6pp 18.8% 15.4% 19.7% 84%
Leverage Ratio 15.8%
+1.3pp YoY
+0.4pp QoQ
 +3.6pp 12.2% 11.6% 12.6% 90%
Total Capital Ratio 23.6%
+1.7pp YoY
+0.4pp QoQ
 +3.6pp 19.9% 16.4% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 121
-22 (-15.4%) YoY
-18 (-12.9%) QoQ
 +62 58 259 482 93%
Assets per Employee ($) $7.1M
+19.8% YoY
+16.4% QoQ
 -$452K $7.5M $8.5M $8.8M 53%
Branch Count 13
0 YoY
0 QoQ
 +8 4 18 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.6% 1.0% 48%
Allowance Coverage 2.37x
-26.4% YoY
-7.4% QoQ
 -21.78x 24.15x 7.67x 20.23x 52%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 11.1%
+3.3pp YoY
+4.5pp QoQ
 -1.1pp 12.2% 8.8% 11.6% 44%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 2.0% 1.7% 15%
Net Income ($, YTD) $6.7M
+61.6% YoY
— QoQ
 +$4.1M $2.6M $12.8M $40.4M 94%

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
#160 of 742 • Bottom 21.4% 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: 22.46%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 85.36%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#356 of 1256 • Bottom 28.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.42%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

144
Total Assets
size
Value: $855.01M
Peer Median: $386.57M
#144 of 2643 Top 5.4% in $100M-$1B
150
Total Loans
size
Value: $610.55M
Peer Median: $258.35M
#150 of 2643 Top 5.6% in $100M-$1B
156
Total Deposits
size
Value: $715.30M
Peer Median: $326.73M
#156 of 2643 Top 5.9% in $100M-$1B
256
Tier 1 Capital Ratio
capital
Value: 22.46%
Peer Median: 15.91%
#256 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (1 metrics)

2058
Efficiency Ratio
profitability
Value: 73.91%
Peer Median: 64.48%
#2058 of 2643 Bottom 22.2% in $100M-$1B
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