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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Maine, the state note

Androscoggin Savings Bank

Lewiston, Maine · $1.76B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

+4.2%
Deposits, year over year
1st of 10, largest first
0.67%
ROA
9th of 10
0.48%
NPA / loans
9th of 10

Androscoggin Savings Bank grew deposits 4.2% in the year to June 2026, the fastest of the ten Maine banks between $1B and $3B against a cohort median of 2.4%, while loans grew 1.4%, ninth. Loans stand at 103% of deposits, fourth best in the group.

Return on assets is 0.67%, ninth of ten against a median of 0.93%, on an efficiency ratio of 73.9%, eighth. Noncurrent loans are 0.48%, ninth against 0.35%, with the allowance covering them 2.1 times; a further 0.34% of the book is 30 to 89 days past due, eighth.

Commercial real estate is 37.5% of loans, the cohort median, at 264% of capital against a 300% screen, and has grown 35.6% in 36 months. Deposits arriving faster than loans on earnings at the bottom of the group is a margin question before a credit one.

Deposits, year over yearME banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.4% Androscoggin Savings Bank +4.2% Kennebec Savings Bank +3.9% Partners Bank of New England +3.4% Katahdin Trust Co +3.3% Bath Savings Institution +2.6% Kennebunk Savings Bank +2.2% Maine Community Bank +2.0% Machias Savings Bank -0.9% Norway Savings Bank -1.1% Saco & Biddeford Savings Institution -1.3%
Return on assetsME banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 0.93% Partners Bank of New England 1.39% Kennebec Savings Bank 1.35% Norway Savings Bank 1.24% Maine Community Bank 1.15% Machias Savings Bank 0.98% Katahdin Trust Co 0.88% Kennebunk Savings Bank 0.87% Bath Savings Institution 0.73% Androscoggin Savings Bank 0.67% Saco & Biddeford Savings Institution 0.24%

SBA 7(a), FY2008 to FY2026

Androscoggin Savings Bank is the 11th largest 7(a) lender into Maine of 130, with $40M across 152 loans, 3.2% of everything approved in the state (Bangor Savings Bank leads with $138M). 4 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Maine, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cumberland, ME$16M8th of 714.5%+0.6 pts
Androscoggin, ME$14M1st of 3717.6%+13.8 pts
Kennebec, ME$4M7th of 355.8%-25.1 pts
York, ME$2M23rd of 670.9%-2.2 pts
Oxford, ME$2M10th of 234.4%thin
Franklin, ME$1M6th of 184.8%+0.6 pts
Essex, MA$974K79th of 1290.1%thin
Sagadahoc, ME$803K13th of 302.6%+7.2 pts
Waldo, ME$665K9th of 222.2%quiet FY2020
Rockingham, NH$630K73rd of 1080.1%quiet FY2022
Lincoln, ME$276K10th of 211.9%quiet FY2022
Penobscot, ME$250K38th of 500.2%quiet FY2014
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services29$12M28.4%0.02%518th of 2,596
Retail trade23$8M19.6%0.01%543rd of 2,589
Health care & social assistance15$4M10.1%0.01%607th of 2,172
Manufacturing10$4M9.6%0.01%789th of 2,246
Real estate & leasing4$4M9.2%0.03%392nd of 1,452
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Androscoggin Savings Bank
Bangor Savings Bank 11.1% $138M · 991 loans TD Bank, National Association 7.6% $95M · 825 loans Maine Community Bank 6.5% $81M · 313 loans Live Oak Banking Company 5.6% $69M · 64 loans Katahdin Trust Company 5.4% $67M · 347 loans KeyBank National Association 5.1% $64M · 311 loans Machias Savings Bank 5.0% $62M · 233 loans Camden National Bank 4.9% $61M · 370 loans Manufacturers and Traders Trust C… 4.5% $57M · 353 loans Norway Savings Bank 4.4% $55M · 249 loans Androscoggin Savings Bank 3.2% $40M · 152 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Androscoggin Savings BankRankCohort median
Total CRE against capital, the 300% screen264%7th of 10233%
Construction against capital, the 100% screen13%3rd of 1030%
Construction and land development, share of loans1.8%3rd of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans29.8%8th of 1022.9%
Total CRE, the guidance definition, share of loans37.5%6th of 1036.0%
CRE growth over 36 months, the third prong+35.6%8th of 10+29.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Maine Community Bank$2.98B1.2%64.6%0.46%0.17%0.6%107.6%9.4%
Machias Savings Bank$2.67B1.0%67.0%0.40%0.04%0.9%99.1%11.5%
Kennebunk Savings Bank$2.17B0.9%68.8%0.10%0.01%1.1%107.1%8.8%
Norway Savings Bank$2.16B1.2%67.4%0.29%0.05%0.7%103.8%12.5%
Kennebec Savings Bank$1.87B1.4%71.4%0.46%0.00%0.6%111.5%13.4%
Androscoggin Savings Bank$1.76B0.7%73.9%0.48%0.00%1.0%103.2%10.8%
Bath Savings Institution$1.50B0.7%66.3%0.05%-0.02%1.4%76.5%14.7%
Saco & Biddeford Savings Institution$1.47B0.2%90.3%0.14%0.00%0.4%119.2%9.3%
Katahdin Trust Co$1.16B0.9%68.4%0.48%0.07%1.0%96.4%9.5%
Partners Bank of New England$1.09B1.4%75.2%0.04%0.00%1.0%105.6%10.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Androscoggin Savings BankCohort median
20212026Change20212026Change
Loans$1.01B$1.48B+46%$968M$1.52B+57%
Deposits$1.14B$1.43B+26%$1.03B$1.42B+37%
NPA / loans0.40%0.48%+0.08 pts0.39%0.35%-0.05 pts
Efficiency76.1%73.9%-2.2 pts68.8%68.6%-0.2 pts
ROA0.54%0.67%+0.13 pts1.30%0.93%-0.37 pts

This read was prepared for Androscoggin Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Androscoggin Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 6 September 2026
Filing 30 June 2026
Cohort ME banks $1B to $3B
Institution www.androscogginbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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