KENNEBEC SAVINGS BANK

AUGUSTA, ME | Large | Est. March 19, 1870, midnight | FDIC #17897 | RSSD #583905 | FDIC
Latest Report: 2025-12-31

KENNEBEC SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in AUGUSTA, ME, established in March 19, 1870, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.4B. Profitability stands at 1.16% ROA and 8.88% ROE, with a net interest margin of 3.24%. The bank's CET1 capital ratio is 17.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 2.59%. FDIC Certificate #17897.

Assets

$1.8B

Deposits

$1.4B

Loans

$1.5B

Equity

$239M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 8.88%
Net Interest Margin (NIM) 3.24%
Yield on Assets 5.28%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.59%
NPA Ratio 0.35%
ACL / Loans 0.61%

Capital & Liquidity

CET1 Ratio 17.38%
Tier 1 Capital 17.38%
Total Capital Ratio 18.07%
Leverage Ratio 13.60%
Loan-to-Deposit 109.91%

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