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

Saco & Biddeford Savings Institution

Saco, Maine · $1.47B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

0.24%
ROA
10th of 10
90.3%
Efficiency
10th of 10
119.2%
Loans / deposits
10th of 10

Saco & Biddeford Savings Institution earned 0.24% on assets in the year to June 2026, last of the ten Maine banks between $1B and $3B, on an efficiency ratio of 90.3% against a cohort median of 68.6%. Five years earlier it earned 0.72% at 82.2%.

Loans stand at 119% of deposits, the highest in the cohort, and deposits fell 1.3% over the year, the largest decline in the group. Loans grew 3.8%. Credit is clean: noncurrent loans are 0.14%, fourth of ten, with the allowance covering them 3.1 times.

Commercial real estate is 26.0% of the book, second lowest in the cohort, and equity is 9.3% of assets, ninth. The earnings question is a funding cost question.

Efficiency ratioME banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 68.6% Maine Community Bank 64.6% Bath Savings Institution 66.3% Machias Savings Bank 67.0% Norway Savings Bank 67.4% Katahdin Trust Co 68.4% Kennebunk Savings Bank 68.8% Kennebec Savings Bank 71.4% Androscoggin Savings Bank 73.9% Partners Bank of New England 75.2% Saco & Biddeford Savings Institution 90.3%
Loans as a share of depositsME banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 104.7% Bath Savings Institution 76.5% Katahdin Trust Co 96.4% Machias Savings Bank 99.1% Androscoggin Savings Bank 103.2% Norway Savings Bank 103.8% Partners Bank of New England 105.6% Kennebunk Savings Bank 107.1% Maine Community Bank 107.6% Kennebec Savings Bank 111.5% Saco & Biddeford Savings Institution 119.2%

SBA 7(a), FY2008 to FY2026

Saco & Biddeford Savings Institution is the 28th largest 7(a) lender into Maine of 130, with $8M across 87 loans, 0.6% of everything approved in the state (Bangor Savings Bank leads with $138M). Every market on its book has had an approval since FY2023.

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$5M16th of 711.5%+0.3 pts
York, ME$3M19th of 671.2%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
Manufacturing11$2M20.6%0.00%1192nd of 2,246
Professional & technical services15$1M15.5%0.00%931st of 1,955
Accommodation & food services10$1M15.3%0.00%1510th of 2,596
Construction8$1M14.9%0.00%1143rd of 2,063
Retail trade10$676K8.6%0.00%1726th of 2,589
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Saco &
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 Saco and Biddeford Savings Instit… 0.6% $8M · 87 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, Saco & among them; owner-occupied excluded; bold marks a screen met
Saco &RankCohort median
Total CRE against capital, the 300% screen209%4th of 10233%
Construction against capital, the 100% screen46%9th of 1030%
Construction and land development, share of loans5.7%7th of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans15.3%2nd of 1022.9%
Total CRE, the guidance definition, share of loans26.0%2nd of 1036.0%
CRE growth over 36 months, the third prong+28.4%5th 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
Saco &Cohort median
20212026Change20212026Change
Loans$922M$1.20B+30%$968M$1.52B+57%
Deposits$871M$1.00B+15%$1.03B$1.42B+37%
NPA / loans0.50%0.14%-0.36 pts0.39%0.35%-0.05 pts
Efficiency82.2%90.3%+8.0 pts68.8%68.6%-0.2 pts
ROA0.72%0.24%-0.48 pts1.30%0.93%-0.37 pts

This read was prepared for Saco & Biddeford Savings Institution'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 Saco & Biddeford Savings Institution 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.sbsavings.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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