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

Partners Bank of New England

Sanford, Maine · $1.09B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

1.39%
ROA
1st of 10
0.04%
NPA / loans
1st of 10
+1.3%
Loans, year over year
10th of 10, largest first

Partners Bank of New England earned 1.39% on assets in the year to June 2026, the highest of the ten Maine banks between $1B and $3B, and carries the cleanest book: noncurrent loans are 0.04%, first of ten, with the allowance covering them 25 times.

Loans grew 1.3%, the slowest in the cohort against a median of 5.2%, while deposits grew 3.4%, third. Loans stand at 106% of deposits, the median. Commercial real estate is 31.1% of the book, third lowest in the group.

Efficiency is 75.2%, ninth of ten, so the return comes from the margin rather than the cost base. Five years ago the bank earned 1.57% at 68.4% efficiency.

Return on assetsME banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 0.93% Partners Bank of New England 1.39% Kennebec Savings Bank 1.35% Norway Savings Bank 1.24% Maine Community Bank 1.15% Machias Savings Bank 0.98% Katahdin Trust Co 0.88% Kennebunk Savings Bank 0.87% Bath Savings Institution 0.73% Androscoggin Savings Bank 0.67% Saco & Biddeford Savings Institution 0.24%
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

Partners Bank of New England is the 21st largest 7(a) lender into Maine of 130, with $12M across 40 loans, 1.0% of everything approved in the state (Bangor Savings Bank leads with $138M). 12 of its 12 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$6M11th of 672.9%quiet FY2021
Aroostook, ME$3M8th of 234.6%quiet FY2020
Oxford, ME$2M9th of 234.6%quiet FY2017
Cumberland, ME$1M33rd of 710.4%quiet FY2021
Strafford, NH$1M30th of 570.8%quiet FY2021
Rockingham, NH$1M62nd of 1080.2%quiet FY2022
Coos, NH$285K23rd of 310.6%quiet FY2015
Denver, CO$255K173rd of 1930.0%quiet FY2020
Androscoggin, ME$175K29th of 370.2%quiet FY2017
Middlesex, MA$100K185th of 1900.0%quiet FY2018
Grafton, NH$75K53rd of 560.1%quiet FY2016
Belknap, NH$68K45th of 500.1%quiet FY2015
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
Construction7$7M44.5%0.02%471st of 2,063
Professional & technical services12$3M19.1%0.01%609th of 1,955
Accommodation & food services15$2M12.9%0.00%1252nd of 2,596
Administrative & waste services8$1M7.8%0.01%739th of 1,763
Real estate & leasing1$656K4.3%0.01%859th of 1,452
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Partners 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 Partners Bank of New England 1.0% $12M · 40 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
Partners BankRankCohort median
Total CRE against capital, the 300% screen214%5th of 10233%
Construction against capital, the 100% screen39%8th of 1030%
Construction and land development, share of loans5.6%6th of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans19.3%3rd of 1022.9%
Total CRE, the guidance definition, share of loans31.1%3rd of 1036.0%
CRE growth over 36 months, the third prong+23.4%4th 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
Partners BankCohort median
20212026Change20212026Change
Loans$612M$894M+46%$968M$1.52B+57%
Deposits$669M$847M+27%$1.03B$1.42B+37%
NPA / loans0.14%0.04%-0.10 pts0.39%0.35%-0.05 pts
Efficiency68.4%75.2%+6.8 pts68.8%68.6%-0.2 pts
ROA1.57%1.39%-0.19 pts1.30%0.93%-0.37 pts

This read was prepared for Partners Bank of New England'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 Partners Bank of New England 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.partners.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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