AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION is an FDIC-insured commercial bank headquartered in CARIBOU, ME, established in 1936. As of , 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 3.05%. CET1 capital ratio: 17.44%, well above regulatory minimums. NPL ratio: 0.36% · Texas Ratio: 4.62%. Operates 2 domestic branches.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Aroostook County Federal Savings & Loan Association rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.44% | 0.80% | 0.36% | 4.62% | 3.05% |
| 2025-09-30 | 17.50% | 0.72% | 0.86% | 6.53% | 2.83% |
| 2025-06-30 | 17.37% | 0.47% | 0.67% | 5.20% | 2.71% |
| 2025-03-31 | 17.67% | 0.61% | 0.54% | 4.22% | 2.53% |
| 2024-12-31 | 17.64% | 0.52% | 0.69% | 5.21% | 2.47% |
| 2024-09-30 | 17.45% | 0.33% | 0.74% | 5.42% | 2.11% |
| 2024-06-30 | 17.55% | 0.29% | 0.34% | 2.74% | 2.03% |
| 2024-03-31 | 17.48% | 0.30% | 0.32% | 2.79% | 2.10% |
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Frequently asked about AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION
What are Aroostook County Federal Savings & Loan Association's total assets?
As of the Q4 2025 filing, Aroostook County Federal Savings & Loan Association reported total assets of $203.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Aroostook County Federal Savings & Loan Association headquartered?
Aroostook County Federal Savings & Loan Association is headquartered in CARIBOU, ME, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Aroostook County Federal Savings & Loan Association founded?
Aroostook County Federal Savings & Loan Association was established in 1936, per the FDIC institution directory.
Is Aroostook County Federal Savings & Loan Association FDIC-insured?
Yes. Aroostook County Federal Savings & Loan Association is an FDIC-insured commercial bank (FDIC Certificate #29743). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Aroostook County Federal Savings & Loan Association?
Aroostook County Federal Savings & Loan Association's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Aroostook County Federal Savings & Loan Association's CET1 capital ratio?
Aroostook County Federal Savings & Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 17.44% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Aroostook County Federal Savings & Loan Association operate?
Aroostook County Federal Savings & Loan Association operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Aroostook County Federal Savings & Loan Association's Texas Ratio?
Aroostook County Federal Savings & Loan Association's Texas Ratio is 4.62% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.