Maine Community Bank
Maine Community Bank reported total assets of $3.0 bn at Q2 2026, up 8.2% on a year earlier, the 423rd largest of 497 banks in our US coverage. Maine Community Bank uses the community bank leverage ratio framework, with a leverage ratio of 10.11%, and the uninsured share of Maine Community Bank was 15.63%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Maine Community Bank slipped from 56th to 253rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Maine Community Bank has taken over 2 institutions; the latest was Gorham Savings Bank on (FDIC Call Reports).
- Over the year to , the net interest margin of Maine Community Bank fell by 0.79 pp to 3.63%, a bigger fall than at 99% of covered banks (FDIC Call Reports).
What sets Maine Community Bank apart
- Maine Community Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 106.87% at , against a median of 88.61% across 339 banks.
- The uninsured share of domestic deposits of Maine Community Bank, 15.63% at , places Maine Community Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%).
How large is Maine Community Bank?
The balance sheet of Maine Community Bank at : assets $3.0 bn, deposits $2.3 bn, net loans $2.5 bn (loans equal to 106.87% of deposits). Securities make up 8.1% of total assets at Maine Community Bank. Since , when Maine Community Bank held $419.5 mn, its assets grew 611.3%. In the year to , deposits at Maine Community Bank rose 2.0% while its total assets rose 8.2%. At , Maine Community Bank employed 366 full-time equivalent staff across 23 offices, about $8.2 mn of assets per employee and $99.9 mn of deposits per office.
How much funding at Maine Community Bank is uninsured?
At Maine Community Bank, uninsured deposits (above the FDIC limit) made up 15.63% of domestic deposits at (-4.23 pp on a year earlier); Maine Community Bank ranks 446th of 500 on this measure. In dollars, Maine Community Bank estimated $359.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +2.0% | 457th of 499 |
| Net loans and leases | $2.5 bn | +8.6% | 372nd of 500 |
| Loan-to-deposit ratio | 106.87% | +6.51 pp | 29th of 500 |
| Net interest margin | 3.63% | -0.79 pp | 253rd of 500 |
| Return on assets (ROA) | 1.17% | +0.36 pp | 323rd of 500 |
| Efficiency ratio | 62.61% | -18.40 pp | 365th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $200,000 | Narrowed by $560,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $40.4 mn | Narrowed by $4.7 mn | |
| Noncurrent loans to total loans | 0.46% | -0.16 pp | 176th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.18% | +0.18 pp | 329th of 500 (1 = lowest) |
US rank of Maine Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Maine Community Bank: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.3bn
- Net loans $2.5bn
Capital and securities
Maine Community Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.11% in . Equity capital of Maine Community Bank at : $280.5 mn, or 9.4% of total assets.
On held-to-maturity securities, Maine Community Bank carried an unrealized loss of $200,000 at , equal to 0.1% of equity capital. The loss narrowed by $560,000 over the year. Its deepest point: $861,000 in . The available-for-sale portfolio of Maine Community Bank showed an unrealized loss of $40.4 mn at ; the loss narrowed by $4.7 mn over the year.
Maine Community Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 10%
Maine Community Bank: unrealized securities gains and losses
- Available for sale -$40mn
- Held to maturity -$200,000
Profitability and loan quality
For the year to , Maine Community Bank earned a return on equity of 12.49%; return on assets: 1.17%. Net interest margin at Maine Community Bank: 3.63%, -0.79 pp in a year. Maine Community Bank net income: $17.0 mn, up 90.9% year on year. The efficiency ratio of Maine Community Bank was 62.61%: about 63 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.46% of total loans at Maine Community Bank; net charge-offs: 0.18% of average loans. Gross loans and leases at Maine Community Bank: $2.5 bn, up 8.6% in a year.
Maine Community Bank: profitability
- Return on equity 12%
- Net interest margin 3.6%
- Return on assets 1.2%
Peer group of Maine Community Bank
The peer group of Maine Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Maine Community Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Maine. Against them, Maine Community Bank shows return on equity 12.49% against a peer median of 13.11% and uninsured deposit share 15.63% against a peer median of 35.69%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northwest Bank | State nonmember bank | IA | $3.0 bn | 11.19% | 13.67% | 28.80% | |
| Nelnet Bank | State nonmember bank | UT | $3.0 bn | not reported | 8.48% | 1.63% | |
| Susser Bank | State member bank | TX | $3.0 bn | 11.65% | 9.03% | 43.42% | |
| Maine Community Bank | State-chartered stock savings bank | ME | $3.0 bn | not reported | 12.49% | 15.63% | |
| First Fidelity Bank | State member bank | OK | $3.0 bn | not reported | 13.65% | 26.88% | |
| The Fidelity Deposit and Discount Bank | State nonmember bank | PA | $3.0 bn | 13.16% | 13.23% | 42.59% | |
| TIB | National bank | TX | $3.0 bn | 20.49% | 12.99% | 91.45% | |
. FDIC Call Reports.
Last eight quarters
Two years at Maine Community Bank, to : assets +156.7%, deposits +153.8%, equity +91.9%. Staff 155 to 366; offices 10 to 23.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.2 bn | $1.2 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.9 bn | $2.9 bn | $3.0 bn |
| Total deposits | $905.6 mn | $895.7 mn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $146.2 mn | $147.3 mn | $244.1 mn | $251.0 mn | $256.9 mn | $264.5 mn | $271.1 mn | $280.5 mn |
| Return on equity (ROE) | 4.96% | 5.13% | 6.31% | 8.32% | 7.16% | 7.40% | 10.48% | 12.49% |
| Uninsured share of domestic deposits | 24.78% | 25.86% | 20.52% | 19.86% | 16.70% | 15.67% | 14.64% | 15.63% |
| Full-time equivalent employees | 155 | 148 | 350 | 348 | 345 | 352 | 363 | 366 |
| Number of offices | 10 | 10 | 23 | 23 | 23 | 23 | 23 | 23 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Maine Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Mechanics' Savings Bank (FDIC certificate 17476).
- . Absorbed Gorham Savings Bank (FDIC certificate 17748).
Large one-quarter moves at Maine Community Bank
- Total assets at Maine Community Bank changed by +83.7% in the quarter to 2020-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Mechanics' Savings Bank.
- Total assets at Maine Community Bank changed by +131.4% in the quarter to 2025-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Gorham Savings Bank.
Questions and identifiers
What were the total assets of Maine Community Bank?
Maine Community Bank reported $3.0 bn at in its Call Report. That makes Maine Community Bank the 423rd largest of 497 banks in our US coverage.
Is Maine Community Bank the same as its holding company?
No. This page covers Maine Community Bank, FDIC certificate 17741; MAINE COMMUNITY BCORP MHC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Maine Community Bank profitable?
Maine Community Bank reported net income of $17.0 mn for the year to ; annualized return on equity: 12.49%. So yes: Maine Community Bank made a profit over these months.
When is data for Maine Community Bank next updated?
Figures from Maine Community Bank for are due after .
Where can I check the figures for Maine Community Bank?
In the FDIC BankFind Suite record for certificate 17741, and in the Call Reports of Maine Community Bank (RSSD ID 499501) at the FFIEC Central Data Repository.