Kennebec Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Kennebec Savings Bank, based in Augusta, Maine, reported $1.9 billion in assets at June 30, 2026, up 4.5% from a year earlier. It holds commercial real estate loans worth 0.8 times its capital, about a third the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also funds 13.96% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $9.0 million on paper in the quarter, out of $13 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Kennebec Savings Bank reported a CET1 capital ratio of 17.32%, a return on assets of 2.15%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.77%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 150 State St, Augusta, ME 04330
- County
- Kennebec
- Metro Area
- Augusta-Waterville, ME
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 19, 1870
- Offices
- 8 domestic
- Employees (FTE)
- 204
- Domestic deposits
- $1.41B
- Allowance for credit losses
- $9.6M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $1.86B
- Average total loans
- $1.55B
- Average interest-bearing deposits
- $1.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 14, 1958
- FDIC Cert
- 17897
- Fed RSSD
- 583905
- Website
- www.kennebecsavings.bank →
- Parent Holding Company
- KENNEBEC SAVINGS, INC (RSSD 4657130)
- Ultimate Parent
- KENNEBEC SAVINGS, MHC (RSSD 4657121)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Kennebec Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Kennebec Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Kennebec Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 17.32% | 2.15% | 0.46% | 2.77% | 3.05% |
| Q1 2026 | 17.56% | 0.56% | 0.46% | 2.80% | 3.00% |
| Q4 2025 | 17.38% | 1.16% | 0.42% | 2.59% | 3.05% |
| Q3 2025 | 17.23% | 1.42% | 0.36% | 2.24% | 2.95% |
| Q2 2025 | 16.98% | 1.51% | 0.36% | 2.29% | 2.82% |
| Q1 2025 | 16.89% | 0.44% | 0.33% | 2.12% | 2.65% |
| Q4 2024 | 16.90% | -0.05% | 0.31% | 2.05% | 2.58% |
| Q3 2024 | 17.30% | 1.05% | 0.33% | 2.11% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kennebec Savings Bank (main office) | Augusta , ME | 04330 | $709.9M |
| Waterville Branch | Waterville , ME | 04901 | $253.7M |
| Winthrop Branch | Winthrop , ME | 04364 | $137.6M |
| Farmingdale Branch | Farmingdale , ME | 04344 | $109.3M |
| Portland Branch | Portland , ME | 04103 | $69.7M |
| Freeport Branch Office | Freeport , ME | 04032 | $69.2M |
| Washington Street Branch | Waterville , ME | 04901 | $56.6M |
| Granite Hill Estates Branch | Hallowell , ME | 04347 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 6, 2021 | Structure Change | Acquired Kennebec Federal Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 5, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 1995 | Structure Change | Acquired Waterville Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Kennebec Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.1% of deposits in ME, rank 13 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Kennebec Savings Bank
What are Kennebec Savings Bank's total assets?
As of the Q2 2026 filing, Kennebec Savings Bank reported total assets of $1.87 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Kennebec Savings Bank headquartered?
Kennebec Savings Bank is headquartered in Augusta, ME, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Kennebec Savings Bank founded?
Kennebec Savings Bank was established in 1870, per the FDIC institution directory.
Is Kennebec Savings Bank FDIC-insured?
Yes. Kennebec Savings Bank is an FDIC-insured savings bank (FDIC Certificate #17897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kennebec Savings Bank?
Kennebec Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Kennebec Savings Bank's CET1 capital ratio?
Kennebec Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kennebec Savings Bank operate?
Kennebec Savings Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kennebec Savings Bank's Texas Ratio?
Kennebec Savings Bank's Texas Ratio is 2.77% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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