Bangor Savings Bank
Bangor Savings Bank reported total assets of $7.7 bn at Q2 2026, up 5.5% from a year earlier. That ranks 200th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 10.39%, and an estimated 19.67% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): up 1.73 pp on Q1 2026, to 5.26%
- Total assets: up 4.3% on Q1 2026, to $7.7 bn
- Net loans and leases: up 2.4% on Q1 2026, to $5.2 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Bangor Savings Bank?
Against its six size peers, its efficiency ratio stands out most: 83.03% at Q2 2026, above the peer median of 53.50%. Its common equity tier 1 (CET1) ratio of 10.39% at Q2 2026 is in the lowest 5% of the 448 banks reporting it (rank 442 of 448, 1 = highest).
How large is Bangor Savings Bank?
At Q2 2026 the bank held $7.7 bn of assets. Deposits were $5.7 bn and net loans and leases $5.2 bn, a loan-to-deposit ratio of 90.91%. Securities of $1.7 bn made up 22.4% of assets.
Total assets rose 132.7% between Q1 2016 and Q2 2026, from $3.3 bn.
How much of its funding is uninsured?
An estimated 19.67% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.01 pp from the previous quarter and +2.94 pp from a year earlier. That share ranks 412th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $7.7 bn | +5.5% | 200th of 497 |
| Total deposits | $5.7 bn | -3.3% | 216th of 499 |
| Net loans and leases | $5.2 bn | +3.4% | 203rd of 500 |
| Bank equity capital | $539.6 mn | +15.4% | 285th of 498 |
| Common equity tier 1 (CET1) ratio | 10.39% | -0.02 pp | 442nd of 448 |
| Tier 1 leverage ratio | 7.79% | +0.18 pp | 479th of 500 |
| Return on equity (ROE) | 5.26% | +3.55 pp | 467th of 500 |
| Net interest margin | 2.98% | +0.56 pp | 405th of 500 |
| Uninsured share of domestic deposits | 19.67% | +2.94 pp | 412th of 500 |
| Noncurrent loans to total loans | 0.47% | -0.20 pp | 178th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | 0.00 pp | 123rd of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $7.7bn
- Deposits $5.7bn
- Net loans $5.2bn
Capital and securities
The common equity tier 1 (CET1) ratio was 10.39% at Q2 2026, -0.02 pp from a year earlier. Since Q1 2016 it has ranged from 10.39% (Q2 2026) to 14.53% (Q1 2017). At Q2 2026 the tier 1 leverage ratio was 7.79% and the total risk-based capital ratio 11.14%. The median CET1 ratio of the size peers listed below was 12.54% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $161.4 mn at Q2 2026; the loss narrowed by $39.9 mn from a year earlier.
Capital ratios
- Total capital 11%
- CET1 10%
- Tier 1 leverage 7.8%
Unrealized gains and losses on securities
- Available for sale -$161mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 5.26% for the year to Q2 2026, annualized, with a return on assets of 0.37% and a net interest margin of 2.98%. The margin was +0.56 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 83.03%. Net income for the year to Q2 2026 was $14.0 mn, up 263.1% on the same period a year earlier. The median return on equity of its size peers was 11.57% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.47% of total loans at Q2 2026. Net charge-offs for the year to date were 0.02% of average loans, annualized.
Profitability
- Return on equity 5.3%
- Net interest margin 3.0%
- Return on assets 0.4%
Compared with banks of similar size
The six banks ranked closest to Bangor Savings Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Bangor Savings Bank is 4th by total assets. Its CET1 ratio of 10.39% compares with a peer median of 12.54%, its tier 1 leverage ratio of 7.79% compares with a peer median of 10.32%, and its return on equity of 5.26% compares with a peer median of 11.57%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Hanmi Bank | $8.0 bn | 13.40% | 11.38% | 44.76% | |
| Bankers Trust Company | $7.8 bn | 10.95% | 11.28% | 57.36% | |
| Stockman Bank of Montana | $7.7 bn | 12.01% | 19.71% | 40.06% | |
| Bangor Savings Bank | $7.7 bn | 10.39% | 5.26% | 19.67% | |
| Preferred Bank | $7.7 bn | 11.06% | 16.49% | 50.28% | |
| Equity Bank | $7.7 bn | 13.08% | 11.77% | 27.12% | |
| Kearny Bank | $7.7 bn | 13.44% | 4.90% | 39.15% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 12.54%, return on equity 11.57%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Bangor Savings Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 7.2% to $7.7 bn, deposits rose 5.2% to $5.7 bn and bank equity capital rose 19.5% to $539.6 mn. Over the same period its full-time equivalent staff went from 1,094 to 1,173 and its offices went from 72 to 72.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.2 bn | $7.2 bn | $7.2 bn | $7.3 bn | $7.3 bn | $7.4 bn | $7.4 bn | $7.7 bn |
| Total deposits | $5.4 bn | $6.0 bn | $6.2 bn | $5.9 bn | $5.8 bn | $5.7 bn | $5.7 bn | $5.7 bn |
| Bank equity capital | $451.6 mn | $430.2 mn | $455.2 mn | $467.6 mn | $488.6 mn | $527.5 mn | $534.0 mn | $539.6 mn |
| Common equity tier 1 (CET1) ratio | 10.89% | 10.50% | 10.69% | 10.41% | 10.63% | 10.62% | 10.58% | 10.39% |
| Return on equity (ROE) | 2.68% | 2.93% | 2.05% | 1.71% | 3.38% | 6.02% | 3.53% | 5.26% |
| Uninsured share of domestic deposits | 19.47% | 16.48% | 15.18% | 16.73% | 18.20% | 18.26% | 19.68% | 19.67% |
| Full-time equivalent employees | 1,094 | 1,092 | 1,125 | 1,150 | 1,134 | 1,133 | 1,136 | 1,173 |
| Number of offices | 72 | 72 | 72 | 73 | 73 | 73 | 72 | 72 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Granite Bank (FDIC certificate 6212).
- . Absorbed Damariscotta Bank & Trust Co. (FDIC certificate 20931).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 18408
- Federal Reserve RSSD ID
- 419406
- Head office
- Bangor, Maine
- Holding company
- BANGOR BCORP MHC (as reported to the FDIC)
- Holding company RSSD ID
- 3547999
- EconoMonitor ID
- EMB-US-000297
Frequently asked questions
What were Bangor Savings Bank's total assets?
$7.7 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 200th among 497 banks reporting this metric (1 = highest).
Is Bangor Savings Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 18408). Its holding company, BANGOR BCORP MHC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Bangor Savings Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 18408, and in the Call Reports filed under RSSD ID 419406 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.