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

Skowhegan Savings Bank

Skowhegan, Maine · $855M in assets · beside the 11 other New England banks between $300M and $1B (the state alone holds too few in the band to rank)

The filing

1.53%
ROA
2nd of 12
14.5%
Equity / assets
1st of 12
-0.2%
Loans, year over year
10th of 12, largest first

Skowhegan Savings Bank earned 1.53% on assets in the year to June 2026, second of the twelve New England banks between $300M and $1B, with equity at 14.5% of assets, the highest in the cohort. Maine alone has two banks in the band, so the cohort is regional.

Loans were flat over the year, down 0.2% against a cohort median of 6.3%, tenth of twelve, and deposits grew 1.2%, ninth. Loans stand at 86% of deposits. Noncurrent loans are 0.42% against a median of 0.29%, with the allowance covering them 2.4 times.

Commercial real estate is 18.7% of the book and construction 1.2%, the lowest in the group.

Return on assetsNew England banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 0.69% Dr Bank 2.50% Skowhegan Savings Bank 1.53% Mechanics Coop Bank 1.24% Monson Savings Bank 0.95% Savings Bank of Walpole 0.84% First Bank of Greenwich 0.82% Greenfield Coop Bank 0.56% Stonehambank A Coop Bank 0.49% Savings Bank 0.43% Windsor Federal Bank 0.20% Rollstone Bank & Trust 0.07% FP Fieldpoint Private B & T -0.29%
Loans, year over yearNew England banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.3% Dr Bank +23.5% Windsor Federal Bank +10.6% Greenfield Coop Bank +7.9% Monson Savings Bank +7.3% Mechanics Coop Bank +7.0% Savings Bank of Walpole +6.6% Savings Bank +6.0% Stonehambank A Coop Bank +4.8% First Bank of Greenwich +1.6% Skowhegan Savings Bank -0.2% Rollstone Bank & Trust -12.9% FP Fieldpoint Private B & T -22.6%

SBA 7(a), FY2008 to FY2026

Skowhegan Savings Bank is the 30th largest 7(a) lender into Maine of 130, with $8M across 17 loans, 0.6% of everything approved in the state (Bangor Savings Bank leads with $138M). 5 of its 5 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
Kennebec, ME$3M11th of 353.9%quiet FY2021
Somerset, ME$2M7th of 207.6%quiet FY2014
Penobscot, ME$2M17th of 500.9%quiet FY2016
Franklin, ME$660K9th of 182.5%quiet FY2020
Piscataquis, ME$425K7th of 153.9%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
Manufacturing3$3M44.9%0.01%858th of 2,246
Retail trade3$2M28.9%0.00%1126th of 2,589
Real estate & leasing1$660K8.7%0.01%856th of 1,452
Health care & social assistance2$447K5.9%0.00%1507th of 2,172
Accommodation & food services1$425K5.6%0.00%1977th of 2,596
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Skowhegan 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 Skowhegan Savings Bank 0.6% $8M · 17 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
Skowhegan Savings BankRankCohort median
Total CRE against capital, the 300% screen79%1st of 12240%
Construction against capital, the 100% screen5%1st of 1234%
Construction and land development, share of loans1.2%1st of 124.1%
Non-owner-occupied nonfarm nonresidential, share of loans16.6%6th of 1216.6%
Total CRE, the guidance definition, share of loans18.6%3rd of 1228.6%
CRE growth over 36 months, the third prong+21.2%7th of 12+19.9%

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
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Dr Bank$913M2.5%50.6%0.14%0.30%0.7%99.6%9.6%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Windsor Federal Bank$895M0.2%74.3%0.99%0.77%0.9%97.8%8.9%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
FPFieldpoint Private B & T$867M-0.3%119.0%1.93%0.02%1.0%79.2%6.5%
Savings Bank of Walpole$858M0.8%72.5%0.26%-0.06%1.0%81.8%7.7%
Skowhegan Savings Bank$855M1.5%73.9%0.42%-0.02%1.0%86.2%14.5%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
First Bank of Greenwich$812M0.8%65.7%1.30%0.00%1.1%106.7%9.3%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Skowhegan Savings BankCohort median
20212026Change20212026Change
Loans$490M$617M+26%$471M$644M+37%
Deposits$638M$715M+12%$585M$742M+27%
NPA / loans0.62%0.42%-0.20 pts0.40%0.29%-0.11 pts
Efficiency73.1%73.9%+0.8 pts78.5%74.1%-4.4 pts
ROA0.94%1.53%+0.60 pts0.56%0.69%+0.13 pts

This read was prepared for Skowhegan 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 Skowhegan 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 New England banks $300M to $1B
Institution www.skowhegan.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England 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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