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

Maine Community Bank

Portland, Maine · $2.98B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

46.3%
CRE / loans
9th of 10
107.6%
Loans / deposits
8th of 10
1.4x
Coverage of noncurrent
9th of 10

Maine Community Bank runs the most efficient shop of the ten Maine banks between $1B and $3B, at 64.6% against a cohort median of 68.6%, and earns 1.15% on assets, fourth of ten. Loans grew 8.6% in the year to June 2026, against a median of 5.2%.

The book is 46.3% commercial real estate, ninth of ten against a median of 36.0%, and stands at 108% of deposits. Noncurrent loans are 0.46%, and the allowance covers them 1.4 times, ninth of ten where the median is 2.3 times.

Equity is 9.4% of assets, eighth of ten. A CRE-weighted book funded past its deposits, with the thinnest coverage in the group, reads differently under the 2008 to 2012 loss curves than in a benign year.

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

Maine Community Bank is the 3rd largest 7(a) lender into Maine of 130, with $81M across 313 loans, 6.5% of everything approved in the state (Bangor Savings Bank leads with $138M). 1 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
Cumberland, ME$30M3rd of 718.5%+2.1 pts
York, ME$27M1st of 6712.2%+16.8 pts
Androscoggin, ME$10M2nd of 3712.6%+6.3 pts
Franklin, ME$4M3rd of 1814.5%thin
Lincoln, ME$3M1st of 2123.4%+22.2 pts
Sagadahoc, ME$2M4th of 308.0%thin
Kennebec, ME$2M15th of 352.4%thin
Oxford, ME$1M12th of 234.1%+5.8 pts
Penobscot, ME$1M18th of 500.9%thin
Knox, ME$423K19th of 310.9%thin
Rockingham, NH$257K92nd of 1080.0%quiet FY2022
Merrimack, NH$110K54th of 620.1%-0.1 pts
Somerset, ME$30K19th of 200.1%thin
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 services65$21M25.7%0.03%380th of 2,596
Retail trade55$17M20.4%0.03%349th of 2,589
Construction30$9M11.2%0.03%386th of 2,063
Health care & social assistance32$7M8.8%0.02%455th of 2,172
Other services30$6M7.3%0.02%481st of 2,248
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Maine Community 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

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, Maine Community Bank among them; owner-occupied excluded; bold marks a screen met
Maine Community BankRankCohort median
Total CRE against capital, the 300% screen386%9th of 10233%
Construction against capital, the 100% screen29%5th of 1030%
Construction and land development, share of loans3.5%4th of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans30.5%9th of 1022.9%
Total CRE, the guidance definition, share of loans46.3%9th of 1036.0%
CRE growth over 36 months, the third prong+292.5%10th 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
Maine Community BankCohort median
20212026Change20212026Change
Loans$838M$2.47B+195%$968M$1.52B+57%
Deposits$855M$2.30B+169%$1.03B$1.42B+37%
NPA / loans0.19%0.46%+0.27 pts0.39%0.35%-0.05 pts
Efficiency67.0%64.6%-2.4 pts68.8%68.6%-0.2 pts
ROA0.82%1.15%+0.33 pts1.30%0.93%-0.37 pts

This read was prepared for Maine Community 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 Maine Community 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.maine.bank

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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