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Aroostook County Federal Savings and Loan Association

$100M-$1B Specialty: Consumer ME FDIC cert 29743

Caribou, ME

2 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 +4.6% year over year ($185.0M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 0.85%.
  • Efficiency ratio 70.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.67% 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) →

Aroostook County Federal Savings and Loan Association has 1 strength but faces 5 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 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 43.8% in tier
  • - Non-Interest-Bearing Deposit Share 18.16% below tier average
  • - ROA 0.47% below tier average
  • - Net Interest Margin 0.74% below tier average
  • - Efficiency Ratio 5.67% above tier average
Get updates when Aroostook County Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $214.0M
+6.6% YoY +4.7% QoQ
-$172.6M $386.6M
+1.2% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $164.0M
+17.6% YoY +8.1% QoQ
-$94.3M $258.3M
+1.7% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $185.0M
+4.6% YoY +4.7% QoQ
-$141.8M $326.7M
+0.7% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 0.85%
+58.1% YoY -5.8% QoQ
-0.47% 1.32%
+10.8% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 3.25%
+17.8% YoY +1.6% QoQ
-0.74% 3.99%
+5.0% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 70.14%
-7.5% YoY +4.5% QoQ
+5.67% 64.48%
-3.2% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.39%
-17.0% YoY +63.3% QoQ
-0.52% 0.92%
+15.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 88.67%
+12.5% YoY +3.2% QoQ
+10.71% 77.95%
+1.0% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 3.87%
+13.8% YoY -24.6% QoQ
-18.16% 22.03%
-0.6% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
Bottom 2.8% in tier
Nonperforming Asset Ratio ? 0.53%
+40.3% YoY +33.1% QoQ
-0.14% 0.67%
+16.4% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 16.04%
-7.7% YoY -5.9% QoQ
+0.13% 15.91%
+1.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.24%
+7.4% YoY +100.1% QoQ
-0.32% 0.57%
+7.6% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
62%

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 3.9%
+0.5pp YoY
-1.3pp QoQ
 -18.3pp 22.1% 16.8% 22.2% 2%
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 24.9%
+5.9pp YoY
+3.8pp QoQ
 +13.4pp 11.6% 8.7% 12.5% 93%
CRE 0.4%
-0.2pp YoY
0.0pp QoQ
 -39.1pp 39.5% 38.6% 41.4% 0%
1-4 Family 59.4%
-4.0pp YoY
-3.0pp QoQ
 +26.7pp 32.6% 49.6% 31.3% 90%
Consumer 14.9%
-1.7pp YoY
-1.0pp QoQ
 +10.8pp 4.1% 1.9% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 16.0%
-1.3pp YoY
-1.0pp QoQ
 -2.8pp 18.8% 15.4% 19.7% 58%
Leverage Ratio 10.4%
+0.3pp YoY
0.0pp QoQ
 -1.8pp 12.2% 11.6% 12.6% 39%
Total Capital Ratio 16.7%
-1.4pp YoY
-1.1pp QoQ
 -3.2pp 19.9% 16.4% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 30
+3 (+11.1%) YoY
+1 (+3.4%) QoQ
 -29 58 259 482 26%
Assets per Employee ($) $7.1M
-4.1% YoY
+1.3% QoQ
 -$386K $7.5M $8.5M $8.8M 55%
Branch Count 2
0 YoY
0 QoQ
 -3 4 18 18 11%

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
+0.2pp QoQ
 -0.5pp 0.9% 0.6% 1.0% 46%
Allowance Coverage 1.37x
+3.1% YoY
-43.1% QoQ
 -22.78x 24.15x 7.67x 20.23x 37%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
 -0.2pp 0.1% 0.1% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 8.5%
+2.7pp YoY
-0.5pp QoQ
 -3.7pp 12.2% 8.8% 11.6% 28%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 2.0% 1.7% 84%
Net Income ($, YTD) $883,000
+63.2% YoY
— QoQ
 -$1.7M $2.6M $12.8M $40.4M 23%

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 (1)

Liquidity Overhang

risk
#326 of 742 • Bottom 43.8% 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: 16.04%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 88.67%
(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

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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2571
Non-Interest-Bearing Deposit Share
funding
Value: 3.87%
Peer Median: 22.03%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2182
Net Interest Margin
profitability
Value: 3.25%
Peer Median: 3.99%
#2182 of 2643 Bottom 17.5% in $100M-$1B
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