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

Katahdin Trust Company

Patten, Maine · $1.16B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

+9.9%
Loans, year over year
3rd of 10, largest first
0.48%
NPA / loans
10th of 10
1.1%
Construction / loans
1st of 10

Katahdin Trust Company grew loans 9.9% in the year to June 2026, third of the ten Maine banks between $1B and $3B, with deposits up 3.3%, fourth. Loans are 96% of deposits, second best in the group.

Noncurrent loans are 0.48%, the highest in the cohort against a median of 0.35%, with the allowance covering them 2.0 times. Commercial real estate is 39.3% of the book, eighth of ten, but construction is 1.1%, the lowest in the group.

Return on assets is 0.88%, sixth, and equity is 9.5% of assets, seventh. Katahdin is the fifth largest 7(a) lender into Maine, first in Aroostook, and has lost 29 points of share in Penobscot over the last three years while ten of its nineteen markets went quiet.

Loans, year over yearME banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.2% Kennebunk Savings Bank +15.3% Norway Savings Bank +10.9% Katahdin Trust Company +9.9% Maine Community Bank +8.6% Bath Savings Institution +5.5% Kennebec Savings Bank +4.9% Saco & Biddeford Savings Institution +3.8% Machias Savings Bank +1.7% Androscoggin Savings Bank +1.4% Partners Bank of New England +1.3%
Noncurrent loans, share of loansME banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.35% Partners Bank of New England 0.04% Bath Savings Institution 0.05% Kennebunk Savings Bank 0.10% Saco & Biddeford Savings Institution 0.14% Norway Savings Bank 0.29% Machias Savings Bank 0.40% Kennebec Savings Bank 0.46% Maine Community Bank 0.46% Androscoggin Savings Bank 0.48% Katahdin Trust Company 0.48%

SBA 7(a), FY2008 to FY2026

Katahdin Trust Company is the 5th largest 7(a) lender into Maine of 130, with $67M across 347 loans, 5.4% of everything approved in the state (Bangor Savings Bank leads with $138M). 10 of its 19 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
Aroostook, ME$24M1st of 2340.7%-4.0 pts
Penobscot, ME$20M3rd of 5012.4%-29.3 pts
Cumberland, ME$12M10th of 713.2%+1.4 pts
Androscoggin, ME$2M12th of 372.5%+1.8 pts
Piscataquis, ME$2M4th of 1516.5%quiet FY2017
Hancock, ME$2M8th of 262.7%thin
Kennebec, ME$2M16th of 352.3%quiet FY2018
York, ME$1M29th of 670.5%thin
Somerset, ME$1M11th of 203.5%thin
Washington, ME$907K8th of 194.6%thin
Lincoln, ME$515K8th of 213.5%quiet FY2017
Knox, ME$454K18th of 310.9%quiet FY2022
Merrimack, NH$423K44th of 620.2%quiet FY2018
6 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 services29$14M21.2%0.02%466th of 2,596
Agriculture, forestry & fishing91$14M20.9%0.17%68th of 1,007
Manufacturing28$9M13.7%0.02%485th of 2,246
Real estate & leasing9$7M10.5%0.06%249th of 1,452
Transportation & warehousing80$5M7.7%0.04%301st of 1,563
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Katahdin Trust Company
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

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
Katahdin Trust CompanyRankCohort median
Total CRE against capital, the 300% screen296%8th of 10233%
Construction against capital, the 100% screen8%1st of 1030%
Construction and land development, share of loans1.1%1st of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans26.5%7th of 1022.9%
Total CRE, the guidance definition, share of loans39.3%8th of 1036.0%
CRE growth over 36 months, the third prong+31.4%7th 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 Company$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
Katahdin Trust CompanyCohort median
20212026Change20212026Change
Loans$773M$931M+20%$968M$1.52B+57%
Deposits$831M$966M+16%$1.03B$1.42B+37%
NPA / loans0.24%0.48%+0.25 pts0.39%0.35%-0.05 pts
Efficiency64.4%68.4%+4.0 pts68.8%68.6%-0.2 pts
ROA1.12%0.88%-0.23 pts1.30%0.93%-0.37 pts

This read was prepared for Katahdin Trust Company'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 Katahdin Trust Company 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.katahdintrust.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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