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

Bangor Savings Bank

Bangor, Maine · $7.74B in assets · beside the 11 other New England banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

7.0%
Equity / assets
12th of 12
83.0%
Efficiency
12th of 12
0.36%
ROA
11th of 12

Bangor Savings Bank is the third largest of the 12 New England banks nearest its size between $3B and $10B, with $7.74B in assets at 30 June 2026. Loans are 91.6% of deposits, 3rd of 12 against a median of 102.7%, and equity is 7.0% of assets, the lowest in the cohort. Loans grew +3.4% in the year, 7th of 12, and deposits fell 3.3%; the cohort's median loan growth is +4.9%.

Noncurrent loans are 0.47% of the book, 8th of 12 against a median of 0.39%; 0.31% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 29.8% of loans, 3rd of 12 against a median of 38.3%, and 243% of capital, below the 300% screen, with construction at 26% against the 100% screen.

Return on assets is 0.36%, 11th of 12 against a median of 0.93%, on an efficiency ratio of 83.0%, the highest in the cohort. Five years ago it was 0.67%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

The efficiency ratioNew England banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 66.0% NB Northeast Bank 35.7% CN Camden National Bank 54.4% SF Salem Five Cents Savings Bank 56.7% NB Needham Bank 59.3% LB Leader Bank National Association 63.4% WT Washington Trust Co. of Westerly 63.9% MS Middlesex Savings Bank 68.2% CC Cape Cod Five Cents Savings Bank 71.8% IS Institution Savings Newburyport & 74.0% LB Liberty Bank 75.7% CS Cambridge Savings Bank 75.9% BS Bangor Savings Bank 83.0%
Loans, year over yearNew England banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.9% NB Needham Bank +42.8% NB Northeast Bank +21.2% LB Liberty Bank +13.4% LB Leader Bank National Association +10.2% SF Salem Five Cents Savings Bank +6.7% MS Middlesex Savings Bank +6.4% BS Bangor Savings Bank +3.4% IS Institution Savings Newburyport & +2.6% CN Camden National Bank +1.3% CS Cambridge Savings Bank +0.9% WT Washington Trust Co. of Westerly -0.8% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Bangor Savings Bank is the 1st largest 7(a) lender into Maine of 130, with $138M across 991 loans, 11.1% of everything approved in the state (Bangor Savings Bank leads with $138M). 13 of its 39 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$55M1st of 7115.4%+5.7 pts
Penobscot, ME$21M2nd of 5012.6%-0.1 pts
York, ME$20M4th of 679.3%+3.8 pts
Hillsborough, NH$13M10th of 1172.8%+0.9 pts
Merrimack, NH$11M5th of 626.1%+4.2 pts
Rockingham, NH$10M13th of 1081.7%+0.8 pts
Coos, NH$9M1st of 3118.6%quiet FY2021
Kennebec, ME$8M1st of 3512.3%+5.5 pts
Knox, ME$7M2nd of 3114.3%+5.5 pts
Waldo, ME$6M3rd of 2218.1%+15.5 pts
Hancock, ME$5M4th of 268.5%-7.1 pts
Androscoggin, ME$4M7th of 374.8%+2.2 pts
Somerset, ME$3M3rd of 2010.4%-25.1 pts
26 smaller markets not shown.
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 services233$35M18.3%0.05%273rd of 2,596
Manufacturing148$26M13.4%0.07%247th of 2,246
Construction143$24M12.7%0.08%200th of 2,063
Retail trade178$23M12.2%0.04%292nd of 2,589
Other services91$14M7.3%0.04%290th of 2,248
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Bangor Savings Bank
BS Bangor Savings Bank 11.1% $138M · 991 loans TB TD Bank, National Association 7.6% $95M · 825 loans MC Maine Community Bank 6.5% $81M · 313 loans LO Live Oak Banking Company 5.6% $69M · 64 loans KT Katahdin Trust Company 5.4% $67M · 347 loans KN KeyBank National Association 5.1% $64M · 311 loans MS Machias Savings Bank 5.0% $62M · 233 loans CN Camden National Bank 4.9% $61M · 370 loans Ma Manufacturers and Traders Trust C… 4.5% $57M · 353 loans NS Norway Savings Bank 4.4% $55M · 249 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bangor Savings BankRankCohort median
Total CRE against capital, the 300% screen243%5th of 12253%
Construction against capital, the 100% screen26%6th of 1226%
Construction and land development, share of loans3.2%4th of 123.8%
Non-owner-occupied nonfarm nonresidential, share of loans18.5%4th of 1221.5%
Total CRE, the guidance definition, share of loans29.8%3rd of 1238.3%
CRE growth over 36 months, the third prong+23.8%7th of 12+23.5%

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
Liberty Bank$9.38B1.3%75.7%0.32%0.17%1.2%103.0%13.1%
Salem Five Cents Savings Bank$8.82B1.0%56.7%0.36%0.00%1.2%113.0%11.5%
Bangor Savings Bank$7.74B0.4%83.0%0.47%0.02%0.8%91.6%7.0%
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Camden National Bank$6.94B1.3%54.4%0.24%0.04%0.9%89.7%10.8%
Washington Trust Co. of Westerly$6.55B0.9%63.9%0.78%0.00%0.8%95.8%8.7%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Northeast Bank$5.23B2.5%35.7%0.55%0.23%1.3%123.0%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bangor Savings BankCohort median
20212026Change20212026Change
Loans$3.87B$5.24B+36%$3.39B$5.08B+50%
Deposits$5.20B$5.72B+10%$4.35B$5.36B+23%
NPA / loans0.27%0.47%+0.19 pts0.40%0.39%-0.01 pts
Efficiency76.5%83.0%+6.5 pts59.8%66.0%+6.3 pts
ROA0.67%0.36%-0.31 pts1.26%0.93%-0.33 pts

This read was prepared for Bangor 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 Bangor 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 7 September 2026
Filing 30 June 2026
Cohort New England banks $3B to $10B
Institution www.bangor.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England 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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