BanksKENNEBEC SAVINGS BANK

KENNEBEC SAVINGS BANK

AUGUSTA, MELargeEst. March 19, 1870, midnightFDIC #17897RSSD #583905FDIC
Latest · 2025-12-31

KENNEBEC SAVINGS BANK is an 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%. CET1 capital ratio: 17.38%, well above regulatory minimums. NPL ratio: 0.42% · Texas Ratio: 2.59%. Operates 8 domestic branches.

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 Margin3.24%
Yield on Assets5.28%
Cost of Funds2.18%

Asset Quality

NPL Ratio0.42%
Net Charge-Off Ratio0.01%
Texas Ratio2.59%
NPA Ratio0.35%
ACL / Loans0.61%

Capital & Liquidity

CET1 Ratio17.38%
Tier 1 Capital17.38%
Total Capital Ratio18.07%
Leverage Ratio13.60%
Loan-to-Deposit109.91%

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