The catalogue › United States › New England › Maine
The state note · prepared 7 September 2026

Maine

22 banks and 48 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

22 banks filing · read from the 30 June 2026 Call Report
22
banks filing
$49.0B in assets
+4.2%
Loans, year over year
median; 5 above 10%, 2 shrinking
30.4%
CRE / loans
median
103.5%
Loans / deposits
median
0.41%
NPA / loans
median
10.8%
Equity / assets
median

Maine's 22 banks hold $49.0B in assets at 30 June 2026. Bangor Savings Bank is the largest at $7.7B, and the five largest hold 57% of the total; 15 institutions are above $1B, holding $46.7B.

Loans grew a median +4.2% in the year to 30 June 2026: 5 institutions grew faster than 10% and 2 shrank. The median bank lends 104% of its deposits and holds commercial real estate at 30.4% of loans. Nonperforming loans sit at a median 0.41% of the book, return on assets at 0.93%, and equity at 10.8% of assets.

15 of the 22 are in the catalogue, each read from its own filing beside the banks its size in the state: Bangor Savings Bank, Camden National Bank, Northeast Bank, Bar Harbor Bank & Trust, Maine Community Bank, Machias Savings Bank, Kennebunk Savings Bank, Norway Savings Bank, Kennebec Savings Bank, Androscoggin Savings Bank, Bath Savings Institution, Saco & Biddeford Savings Institution, Katahdin Trust Co., Partners Bank of New England, Skowhegan Savings Bank.

Who holds the state's assetseach institution's share of the $49.0B the state's 22 hold; the largest first, amber in the catalogue
Bangor Savings Bank: 15.8%BS16%Camden National Bank: 14.2%CN14%Northeast Bank: 10.7%NB11%Bar Harbor Bank & Trust: 9.7%BH10%First National Bank: 6.5%FNMaine Community Bank: 6.1%MCMachias Savings Bank: 5.5%MSKennebunk Savings Bank: 4.4%KSNorway Savings Bank: 4.4%NSKennebec Savings Bank: 3.8%KS12 others 19%BSBangor Savings Bank15.8%CNCamden National Bank14.2%NBNortheast Bank10.7%BHBar Harbor Bank & Tru…9.7%FNFirst National Bank6.5%MCMaine Community Bank6.1%MSMachias Savings Bank5.5%KSKennebunk Savings Bank4.4%NSNorway Savings Bank4.4%KSKennebec Savings Bank3.8%

Bangor Savings Bank holds 15.8% of the state's bank assets; the five largest hold 57%, and 15 of the 22 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestBangor Savings Bank: 16% of the totalThe five largest57% of the totalThe ten largest81% of the totalGINI0.50 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 57% of the assets in 23% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end33.4%$12.6BNonfarm nonresidential, non-owner-occupied25.9%$9.8BNonfarm nonresidential, owner-occupied9.7%$3.7BMultifamily8.4%$3.2BCommercial & industrial7.8%$3.0BHome equity lines5.6%$2.1BConstruction & land4.0%$1.5BOther loans and leases3.0%$1.1BStates & municipalities0.9%$336MConsumer, other0.6%$222MAgricultural production0.4%$144MAuto0.2%$94MFarmland0.1%$55MCredit card0.0%$11M

1-4 family residential, closed-end is the largest category at 33.4% of the state's $37.9B in loans, then Nonfarm nonresidential, non-owner-occupied at 25.9% and Nonfarm nonresidential, owner-occupied at 9.7%.

Loans, year over yearMaine banks, 30 June 2026 against a year earlier · no better direction, largest first · amber, in the catalogue
state median +4.2% NB Northeast Bank +21.2% AC Aroostook County Federal Savings … +17.5% KS Kennebunk Savings Bank +15.3% BH Bar Harbor Bank & Trust +14.9% NS Norway Savings Bank +10.9% KT Katahdin Trust Co. +9.9% MC Maine Community Bank +8.6% BS Bath Savings Institution +5.5% FS Franklin Savings Bank +5.1% KS Kennebec Savings Bank +4.9% BH Bar Harbor Savings & Loan Associa… +4.7% SB Saco & Biddeford Savings Institut… +3.8% AS Auburn Savings Bank FSB +3.7% BS Bangor Savings Bank +3.4% MS Machias Savings Bank +1.7% AS Androscoggin Savings Bank +1.4% CN Camden National Bank +1.3% PB Partners Bank of New England +1.3% FN First National Bank +1.2% FF First Federal Savings & Loan Asso… +1.1% SS Skowhegan Savings Bank -0.2% RS Rockland Savings Bank FSB -2.6%

Northeast Bank grew fastest at +21.2%; 5 grew faster than 10% and 2 shrank, Rockland Savings Bank FSB the most at -2.6%. The median is +4.2%.

Commercial real estate, share of loansMaine banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · amber, in the catalogue
state median 30.4% NB Northeast Bank 66.7% KS Kennebunk Savings Bank 52.7% BH Bar Harbor Bank & Trust 47.1% MC Maine Community Bank 46.3% KT Katahdin Trust Co. 39.3% MS Machias Savings Bank 38.8% AS Androscoggin Savings Bank 37.5% CN Camden National Bank 34.5% NS Norway Savings Bank 34.5% BS Bath Savings Institution 31.1% PB Partners Bank of New England 31.1% BS Bangor Savings Bank 29.8% SB Saco & Biddeford Savings Institut… 26.0% FN First National Bank 25.0% SS Skowhegan Savings Bank 18.6% FS Franklin Savings Bank 16.2% BH Bar Harbor Savings & Loan Associa… 14.5% KS Kennebec Savings Bank 13.2% AS Auburn Savings Bank FSB 13.2% RS Rockland Savings Bank FSB 8.6% FF First Federal Savings & Loan Asso… 3.7% AC Aroostook County Federal Savings … 0.3%

Northeast Bank is the most CRE-weighted at 66.7% of loans; 4 of the 22 are above 40%, against a median of 30.4%.

Commercial real estate against capital, the 300% screenMaine banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · amber, in the catalogue
state median 200% 300% screen NB Northeast Bank 464% KS Kennebunk Savings Bank 424% MC Maine Community Bank 386% BH Bar Harbor Bank & Trust 335% KT Katahdin Trust Co. 296% AS Androscoggin Savings Bank 264% CN Camden National Bank 261% MS Machias Savings Bank 251% BS Bangor Savings Bank 243% PB Partners Bank of New England 214% SB Saco & Biddeford Savings Institut… 209% FN First National Bank 191% NS Norway Savings Bank 185% AS Auburn Savings Bank FSB 121% BS Bath Savings Institution 113% BH Bar Harbor Savings & Loan Associa… 111% SS Skowhegan Savings Bank 79% KS Kennebec Savings Bank 77% FS Franklin Savings Bank 73% RS Rockland Savings Bank FSB 71% FF First Federal Savings & Loan Asso… 19% AC Aroostook County Federal Savings … 2%

4 of the 22 banks sit above the 300% screen, Northeast Bank the highest at 464% of capital; the median is 200%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenMaine banks, 30 June 2026 · the guidance's first prong; listed largest first · amber, in the catalogue
state median 27% 100% screen KS Kennebunk Savings Bank 78% BH Bar Harbor Savings & Loan Associa… 77% BH Bar Harbor Bank & Trust 54% SB Saco & Biddeford Savings Institut… 46% PB Partners Bank of New England 39% MS Machias Savings Bank 38% RS Rockland Savings Bank FSB 34% AS Auburn Savings Bank FSB 33% NS Norway Savings Bank 32% CN Camden National Bank 29% MC Maine Community Bank 29% BS Bangor Savings Bank 26% FN First National Bank 21% BS Bath Savings Institution 19% FS Franklin Savings Bank 17% AS Androscoggin Savings Bank 13% FF First Federal Savings & Loan Asso… 11% KS Kennebec Savings Bank 9% KT Katahdin Trust Co. 8% SS Skowhegan Savings Bank 5% NB Northeast Bank 4% AC Aroostook County Federal Savings … 1%

0 of the 22 banks sit above the 100% construction screen, Kennebunk Savings Bank the highest at 78%; the median is 27%.

Loans to depositsMaine banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 104% NB Northeast Bank 123% BH Bar Harbor Savings & Loan Associa… 122% SB Saco & Biddeford Savings Institut… 119% RS Rockland Savings Bank FSB 114% AS Auburn Savings Bank FSB 113% FS Franklin Savings Bank 112% KS Kennebec Savings Bank 111% MC Maine Community Bank 108% KS Kennebunk Savings Bank 107% PB Partners Bank of New England 106% NS Norway Savings Bank 104% AS Androscoggin Savings Bank 103% FF First Federal Savings & Loan Asso… 103% MS Machias Savings Bank 99% KT Katahdin Trust Co. 96% BH Bar Harbor Bank & Trust 94% BS Bangor Savings Bank 92% FN First National Bank 90% CN Camden National Bank 90% AC Aroostook County Federal Savings … 89% SS Skowhegan Savings Bank 86% BS Bath Savings Institution 76%

13 of the 22 lend more than they hold in deposits, Northeast Bank the furthest at 123%; the median is 104%.

Nonperforming loans, share of loansMaine banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 0.41% FF First Federal Savings & Loan Asso… 2.89% BH Bar Harbor Savings & Loan Associa… 2.13% FS Franklin Savings Bank 1.36% FN First National Bank 0.75% NB Northeast Bank 0.55% KT Katahdin Trust Co. 0.48% AS Androscoggin Savings Bank 0.48% BS Bangor Savings Bank 0.47% MC Maine Community Bank 0.46% KS Kennebec Savings Bank 0.46% SS Skowhegan Savings Bank 0.42% MS Machias Savings Bank 0.40% AC Aroostook County Federal Savings … 0.39% BH Bar Harbor Bank & Trust 0.32% NS Norway Savings Bank 0.29% CN Camden National Bank 0.24% SB Saco & Biddeford Savings Institut… 0.14% KS Kennebunk Savings Bank 0.10% BS Bath Savings Institution 0.05% PB Partners Bank of New England 0.04% AS Auburn Savings Bank FSB 0.02% RS Rockland Savings Bank FSB 0.02%

First Federal Savings & Loan Association of Bath carries the most nonperforming loans at 2.89% of the book; 3 of the 22 are above 1%, and the median is 0.41%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%NPA / loansAllowance / loansBSBath Savings Institution+1.36%KSKennebunk Savings Bank+0.99%PBPartners Bank of New England+0.95%ASAuburn Savings Bank FSB+0.92%RSRockland Savings Bank FSB+0.78%NBNortheast Bank+0.72%CNCamden National Bank+0.67%SSSkowhegan Savings Bank+0.58%BHBar Harbor Bank & Trust+0.57%ASAndroscoggin Savings Bank+0.51%MSMachias Savings Bank+0.50%KTKatahdin Trust Co.+0.48%NSNorway Savings Bank+0.42%BSBangor Savings Bank+0.32%SBSaco & Biddeford Savings Institut…+0.28%FNFirst National Bank+0.27%MCMaine Community Bank+0.17%KSKennebec Savings Bank+0.15%ACAroostook County Federal Savings …+0.14%FSFranklin Savings Bank-0.60%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 22 hold an allowance smaller than their nonperforming loans.

Return on assetsMaine banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 0.93% NB Northeast Bank 2.53% SS Skowhegan Savings Bank 1.53% BH Bar Harbor Bank & Trust 1.42% PB Partners Bank of New England 1.39% KS Kennebec Savings Bank 1.35% CN Camden National Bank 1.34% NS Norway Savings Bank 1.24% FN First National Bank 1.21% MC Maine Community Bank 1.15% FS Franklin Savings Bank 1.00% MS Machias Savings Bank 0.98% KT Katahdin Trust Co. 0.88% KS Kennebunk Savings Bank 0.87% AC Aroostook County Federal Savings … 0.84% BS Bath Savings Institution 0.73% AS Androscoggin Savings Bank 0.67% FF First Federal Savings & Loan Asso… 0.49% BS Bangor Savings Bank 0.36% RS Rockland Savings Bank FSB 0.34% BH Bar Harbor Savings & Loan Associa… 0.32% SB Saco & Biddeford Savings Institut… 0.24% AS Auburn Savings Bank FSB 0.17%

Northeast Bank earns the most at 2.53% and Auburn Savings Bank FSB the least at 0.17%; 6 of the 22 earn under 0.50%, and the median is 0.93%.

The efficiency ratio, with the return beside itMaine banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · amber, in the catalogue
state median 69.6% NB Northeast Bank 35.7% ROA 2.53% FN First National Bank 51.3% ROA 1.21% CN Camden National Bank 54.4% ROA 1.34% BH Bar Harbor Bank & Trust 56.1% ROA 1.42% MC Maine Community Bank 64.6% ROA 1.15% BS Bath Savings Institution 66.3% ROA 0.73% MS Machias Savings Bank 67.0% ROA 0.98% NS Norway Savings Bank 67.4% ROA 1.24% KT Katahdin Trust Co. 68.4% ROA 0.88% KS Kennebunk Savings Bank 68.8% ROA 0.87% FS Franklin Savings Bank 69.0% ROA 1.00% AC Aroostook County Federal Savings … 70.1% ROA 0.84% KS Kennebec Savings Bank 71.4% ROA 1.35% SS Skowhegan Savings Bank 73.9% ROA 1.53% AS Androscoggin Savings Bank 73.9% ROA 0.67% PB Partners Bank of New England 75.2% ROA 1.39% BS Bangor Savings Bank 83.0% ROA 0.36% BH Bar Harbor Savings & Loan Associa… 84.2% ROA 0.32% FF First Federal Savings & Loan Asso… 84.6% ROA 0.49% RS Rockland Savings Bank FSB 87.9% ROA 0.34% SB Saco & Biddeford Savings Institut… 90.3% ROA 0.24% AS Auburn Savings Bank FSB 92.9% ROA 0.17%

Northeast Bank runs the leanest at 35.7% of revenue in cost; 6 of the 22 spend more than 80 cents of every revenue dollar, and the median is 69.6%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Bangor Savings Bank$7.7B+3.4%29.8%92%0.47%0.36%7.0%
Camden National Bank$6.9B+1.3%34.5%90%0.24%1.34%10.8%
Northeast Bank$5.2B+21.2%66.7%123%0.55%2.53%11.6%
Bar Harbor Bank & Trust$4.7B+14.9%47.1%94%0.32%1.42%12.6%
First National Bank$3.2B+1.2%25.0%90%0.75%1.21%8.3%
Maine Community Bank$3.0B+8.6%46.3%108%0.46%1.15%9.4%
Machias Savings Bank$2.7B+1.7%38.8%99%0.40%0.98%11.5%
Kennebunk Savings Bank$2.2B+15.3%52.7%107%0.10%0.87%8.8%
Norway Savings Bank$2.2B+10.9%34.5%104%0.29%1.24%12.5%
Kennebec Savings Bank$1.9B+4.9%13.2%111%0.46%1.35%13.4%
Androscoggin Savings Bank$1.8B+1.4%37.5%103%0.48%0.67%10.8%
Bath Savings Institution$1.5B+5.5%31.1%76%0.05%0.73%14.7%
Saco & Biddeford Savings Institution$1.5B+3.8%26.0%119%0.14%0.24%9.3%
Katahdin Trust Co.$1.2B+9.9%39.3%96%0.48%0.88%9.5%
Partners Bank of New England$1.1B+1.3%31.1%106%0.04%1.39%10.3%
Five years, 2021 to 2026the 22 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$23.5B$37.9B+61%
Deposits, in total$28.9B$38.1B+32%
NPA / loans, median0.53%0.41%-0.12 pts
Efficiency, median69.5%69.6%+0.0 pts
ROA, median0.92%0.93%+0.01 pts

Small-business lending

SBA 7(a) approvals into Maine since FY2008, across every lender type

$1.2B of 7(a) credit has been approved into Maine since FY2008 across 6,132 loans. Accommodation & food services is the largest category at 17.4%, Retail trade at 15.5%, Manufacturing at 11.5%; the three together are 44% of the money. The heaviest losses fall in Construction, at 3.15% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 130 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
BS Bangor Savings Bank 11.1% $138M · 991 loans TB TD Bank, National Association 7.6% $95M · 825 loans MC Maine Community Bank 6.5% $81M · 313 loans LO Live Oak Banking Company 5.6% $69M · 64 loans KT Katahdin Trust Company 5.4% $67M · 347 loans KN KeyBank National Association 5.1% $64M · 311 loans MS Machias Savings Bank 5.0% $62M · 233 loans CN Camden National Bank 4.9% $61M · 370 loans Ma Manufacturers and Traders Trust C… 4.5% $57M · 353 loans NS Norway Savings Bank 4.4% $55M · 249 loans AS Androscoggin Savings Bank 3.2% $40M · 152 loans BH Bar Harbor Bank & Trust 2.7% $33M · 205 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services18.6%$217M · 878 loansRetail trade16.6%$194M · 955 loansManufacturing12.3%$144M · 593 loansConstruction10.3%$120M · 710 loansHealth care & social assistance8.2%$96M · 447 loansOther services7.3%$86M · 443 loansProfessional & technical services6.0%$70M · 410 loansReal estate & leasing5.3%$61M · 190 loansAdministrative & waste services4.1%$48M · 321 loansTransportation & warehousing3.9%$46M · 306 loansArts, entertainment & recreation3.7%$43M · 192 loansWholesale trade3.6%$42M · 204 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$217M87817.4%$4M1.77%
Retail trade$194M95515.5%$6M2.85%
Manufacturing$144M59311.5%$3M2.42%
Construction$120M7109.6%$4M3.15%
Health care & social assistance$96M4477.7%$891K0.93%
Other services$86M4436.8%$1M1.39%
Professional & technical services$70M4105.6%$1M1.73%
Real estate & leasing$61M1904.9%$396K0.64%
Administrative & waste services$48M3213.9%$1M2.08%
Transportation & warehousing$46M3063.7%$499K1.09%
Arts, entertainment & recreation$43M1923.5%$539K1.25%
Wholesale trade$42M2043.3%$748K1.79%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Cumberland$355M1,73471
York$220M95767
Penobscot$163M76150
Androscoggin$77M34037
Kennebec$69M34435
Hancock$60M36126
Aroostook$59M43423
Knox$49M19731
Oxford$35M24423
Waldo$31M14422

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Maine institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Maine

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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