AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION

CARIBOU, ME | Small | Est. July 29, 1936, midnight | FDIC #29743 | RSSD #351878 | OCC
Latest Report: 2025-12-31

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CARIBOU, ME, established in July 29, 1936, midnight. As of 2025-12-31, the bank reported total assets of $204M and total deposits of $178M. Profitability stands at 0.80% ROA and 8.02% ROE, with a net interest margin of 3.23%. The bank's CET1 capital ratio is 17.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 4.62%. FDIC Certificate #29743.

Assets

$204M

Deposits

$178M

Loans

$148M

Equity

$20M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 8.02%
Net Interest Margin (NIM) 3.23%
Yield on Assets 5.72%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.62%
NPA Ratio 0.48%
ACL / Loans 0.59%

Capital & Liquidity

CET1 Ratio 17.44%
Tier 1 Capital 17.44%
Total Capital Ratio 18.17%
Leverage Ratio 10.24%
Loan-to-Deposit 83.04%

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