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

Norway Savings Bank

Norway, Maine · $2.16B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

+10.9%
Loans, year over year
2nd of 10, largest first
0.29%
NPA / loans
5th of 10
-1.1%
Deposits, year over year
9th of 10, largest first

Norway Savings Bank grew loans 10.9% in the year to June 2026, second of the ten Maine banks between $1B and $3B, while deposits fell 1.2%, ninth of ten. Loans now stand at 104% of deposits, the cohort median.

Credit is moving the right way: noncurrent loans are 0.29% against 0.69% a year ago, fifth of ten, and the allowance covers them 2.4 times. Early delinquency is the exception, with 0.50% of the book 30 to 89 days past due, ninth of ten.

Return on assets is 1.24%, third of ten, and equity is 12.5% of assets, third. Growth funded by running deposits down is the funding question a board asks next.

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%
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 Co 0.48%

SBA 7(a), FY2008 to FY2026

Norway Savings Bank is the 10th largest 7(a) lender into Maine of 130, with $55M across 249 loans, 4.4% of everything approved in the state (Bangor Savings Bank leads with $138M). 5 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$39M2nd of 7111.1%-1.4 pts
York, ME$10M6th of 674.6%+9.8 pts
Rockingham, NH$5M23rd of 1080.9%thin
Oxford, ME$4M2nd of 2311.7%-0.0 pts
Androscoggin, ME$1M14th of 371.9%quiet FY2020
Carroll, NH$895K22nd of 471.2%thin
Coos, NH$350K20th of 310.7%quiet FY2010
Douglas, CO$289K138th of 1560.0%quiet FY2021
Strafford, NH$249K48th of 570.2%thin
Lincoln, ME$120K17th of 210.8%thin
Belknap, NH$100K43rd of 500.1%quiet FY2013
Sagadahoc, ME$75K27th of 300.2%thin
Franklin, ME$50K16th of 180.2%quiet FY2017
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
Manufacturing27$16M26.2%0.04%340th of 2,246
Accommodation & food services50$11M17.3%0.01%552nd of 2,596
Retail trade38$8M12.3%0.01%566th of 2,589
Professional & technical services27$7M11.5%0.02%353rd of 1,955
Other services17$5M7.4%0.01%582nd of 2,248
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Norway 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

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, Norway Savings Bank among them; owner-occupied excluded; bold marks a screen met
Norway Savings BankRankCohort median
Total CRE against capital, the 300% screen185%3rd of 10233%
Construction against capital, the 100% screen32%6th of 1030%
Construction and land development, share of loans6.0%9th of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans20.9%4th of 1022.9%
Total CRE, the guidance definition, share of loans34.5%5th of 1036.0%
CRE growth over 36 months, the third prong+48.0%9th 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
Norway Savings BankCohort median
20212026Change20212026Change
Loans$1.08B$1.63B+51%$968M$1.52B+57%
Deposits$1.40B$1.57B+12%$1.03B$1.42B+37%
NPA / loans0.64%0.29%-0.35 pts0.39%0.35%-0.05 pts
Efficiency69.9%67.4%-2.5 pts68.8%68.6%-0.2 pts
ROA1.81%1.24%-0.58 pts1.30%0.93%-0.37 pts

This read was prepared for Norway 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 Norway 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.norwaysavings.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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