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

Kennebunk Savings Bank

Kennebunk, Maine · $2.17B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

+15.3%
Loans, year over year
1st of 10, largest first
52.7%
CRE / loans
10th of 10
8.8%
Equity / assets
10th of 10

Kennebunk Savings grew loans 15.3% in the year to June 2026, the fastest of the ten Maine banks between $1B and $3B, against a cohort median of 5.2%. Deposits grew 2.2% over the same year, and loans now stand at 107% of deposits, seventh of ten.

The book is 52.7% commercial real estate and 9.7% construction, the highest shares in the cohort against medians of 36.0% and 5.5%. Credit quality does not yet show it: noncurrent loans are 0.10% of the book and the allowance covers them 10.6 times, third of ten on both.

Equity is 8.8% of assets, the lowest in the cohort. Fast growth on a concentrated book with the least capital behind it is the shape the 2006 interagency CRE guidance was written about, and the question a board asks next is what the 2008 to 2012 loss curves do to that capital at this mix.

Commercial real estate, share of loansME banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 36.0% Kennebec Savings Bank 13.2% Saco & Biddeford Savings Institution 26.0% Partners Bank of New England 31.1% Bath Savings Institution 31.1% Norway Savings Bank 34.5% Androscoggin Savings Bank 37.5% Machias Savings Bank 38.8% Katahdin Trust Co 39.3% Maine Community Bank 46.3% Kennebunk Savings Bank 52.7%
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 Co +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%

SBA 7(a), FY2008 to FY2026

Kennebunk Savings Bank is the 14th largest 7(a) lender into Maine of 130, with $30M across 170 loans, 2.4% of everything approved in the state (Bangor Savings Bank leads with $138M). 8 of its 13 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
York, ME$26M2nd of 6711.6%-14.8 pts
Rockingham, NH$17M9th of 1083.1%-1.5 pts
Strafford, NH$5M9th of 573.4%+2.7 pts
Cumberland, ME$3M27th of 710.8%quiet FY2022
Essex, MA$1M69th of 1290.2%quiet FY2019
Kennebec, ME$1M17th of 351.8%thin
Middlesex, MA$900K121st of 1900.1%quiet FY2021
Hillsborough, NH$450K78th of 1170.1%quiet FY2011
Grafton, NH$210K47th of 560.2%quiet FY2008
Plymouth, MA$125K98th of 1070.0%thin
Belknap, NH$104K41st of 500.1%quiet FY2017
Blaine, ID$100K24th of 260.1%quiet FY2019
Lincoln, ME$30K20th of 210.2%quiet FY2020
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 services95$21M37.7%0.03%384th of 2,596
Retail trade48$9M16.8%0.02%512th of 2,589
Arts, entertainment & recreation19$8M14.2%0.05%252nd of 1,656
Manufacturing33$5M8.6%0.01%717th of 2,246
Other services17$3M5.9%0.01%696th of 2,248
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Kennebunk 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 Kennebunk Savings Bank 2.4% $30M · 170 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, Kennebunk Savings Bank among them; owner-occupied excluded; bold marks a screen met
Kennebunk Savings BankRankCohort median
Total CRE against capital, the 300% screen424%10th of 10233%
Construction against capital, the 100% screen78%10th of 1030%
Construction and land development, share of loans9.7%10th of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans34.2%10th of 1022.9%
Total CRE, the guidance definition, share of loans52.7%10th of 1036.0%
CRE growth over 36 months, the third prong+30.4%6th 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
Kennebunk Savings BankCohort median
20212026Change20212026Change
Loans$1.20B$1.80B+49%$968M$1.52B+57%
Deposits$1.56B$1.68B+8%$1.03B$1.42B+37%
NPA / loans0.76%0.10%-0.65 pts0.39%0.35%-0.05 pts
Efficiency69.1%68.8%-0.4 pts68.8%68.6%-0.2 pts
ROA0.80%0.87%+0.06 pts1.30%0.93%-0.37 pts

This read was prepared for Kennebunk 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 Kennebunk 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.kennebunksavings.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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