Androscoggin Savings Bank
BankRegReports is independent of Androscoggin Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Androscoggin Savings Bank is an FDIC-insured savings bank headquartered in Lewiston, ME, established in 1870 (FDIC certificate 17751), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.76B, little changed from Q2 2025, the 11th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 13.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17751
- Headquarters
- Lewiston, ME
- Established
- 1870
- Total assets, Q2 2026
- $1.76B
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 13.15%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211272520
- Latest call report
- Q2 2026, FFIEC 051 · Androscoggin Savings Bank call report
- Holding company
- ANDROSCOGGIN BANCORP, INC.
- Asset rank in state
- 11th of 22 in Maine
Problem loans are rising at Androscoggin Savings Bank. Its balance sheet stood at $1.8 billion at June 30, 2026; it is based in Lewiston, Maine. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.48% of loans from 0.17% a year earlier. It holds 14% of its deposits (14%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $3.5 million, 49% above the same quarter a year earlier. Profitability lags: it earns about $0.78 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Androscoggin Savings Bank reported a CET1 capital ratio of 13.15%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.57%. The figures come from its call report filed with the FFIEC.
Of the 22 banks headquartered in Maine, Androscoggin Savings Bank is the 11th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $1.76B, loans fell 0.6% and deposits rose 0.4%. 1-4 family residential loans made up 40.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.8%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in ME; its Lewiston office books 27% of its branch deposits. Judged on its Q2 2026 call report, Androscoggin Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 505 Sabattus St, Lewiston, ME 04240
- County
- Androscoggin
- Metro Area
- Lewiston-Auburn, 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
- January 1, 1870
- Former names
- Androscoggin County SAvings Bank (1971-1974)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 196
- Domestic deposits
- $1.43B
- Allowance for credit losses
- $14.6M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $1.81B
- Average total loans
- $1.43B
- Average interest-bearing deposits
- $1.25B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 25, 1957
- FDIC Cert
- 17751
- Fed RSSD
- 132107
- Website
- www.androscogginbank.com →
- Parent Holding Company
- ANDROSCOGGIN BANCORP, INC. (RSSD 2710808)
- Ultimate Parent
- CLEARNORTH FINANCIAL MUTUAL HOLDING COMPANY (RSSD 3846106)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Androscoggin Savings Bank's total assets ran between $1.58B (Q3 2023) and $1.83B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.76B total assets against $1.76B; $1.57B total liabilities against $1.59B.
$1.46B net loans and leases against $1.44B; $1.43B total deposits against $1.37B.
$121.4M securities against $134.4M; $89.5M cash and balances due against $96.4M.
$22.6M total interest income against $21.0M; $9.0M total interest expense against $8.9M.
$13.5M net interest income against $12.0M.
$2.5M total noninterest income against $1.9M; $11.5M total noninterest expense against $10.6M.
$156K provision for credit losses against $379K.
$3.5M net income against $2.4M.
0.78% return on assets against 0.54%; 3.18% net interest margin against 2.90%.
13.15% CET1 capital ratio against 12.90%; 10.76% tier 1 leverage ratio against 10.50%.
Inside the full Androscoggin Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Androscoggin Savings Bank rankings
Its closest position to the top of a national ranking is 646 of 4,196, for total assets; its furthest is 901 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q1 2025) to 0.78% (Q2 2026) and its net interest margin ran from 2.66% (Q3 2024) to 3.18% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 0.78% | 0.48% | 3.57% | 3.18% |
| Q1 2026 | 12.91% | 0.56% | 0.62% | 4.79% | 2.88% |
| Q4 2025 | 12.79% | 0.69% | 0.33% | 2.59% | 3.06% |
| Q3 2025 | 12.89% | 0.59% | 0.31% | 2.49% | 3.03% |
| Q2 2025 | 12.90% | 0.54% | 0.17% | 1.33% | 2.90% |
| Q1 2025 | 11.38% | 0.37% | 0.19% | 1.71% | 2.81% |
| Q4 2024 | 11.58% | 0.40% | 0.19% | 1.76% | 2.88% |
| Q3 2024 | 11.66% | 0.42% | 0.41% | 3.73% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Androscoggin Savings Bank (main office) | Lewiston , ME | 04240 | $382.7M |
| Minot Avenue Branch | Auburn , ME | 04210 | $189.7M |
| Portland Branch | Portland , ME | 04101 | $189.6M |
| Brunswick Branch | Brunswick , ME | 04011 | $163.2M |
| Turner Branch | Turner , ME | 04282 | $154.5M |
| Jay Branch | Jay , ME | 04239 | $122.0M |
| Gray Branch | Gray , ME | 04039 | $108.9M |
| South Paris Branch | South Paris , ME | 04281 | $76.7M |
| Lisbon Falls Branch | Lisbon Falls , ME | 04252 | $43.4M |
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 |
|---|---|---|---|
| January 19, 1999 | Structure Change | Acquired Livermore Falls Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 16, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.1% of deposits in ME, rank 12 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 459 applications, 378 loans originated, $184.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $5.1M approved, $233K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Androscoggin Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Androscoggin Savings Bank with peers
Frequently asked about Androscoggin Savings Bank
What are Androscoggin Savings Bank's total assets?
As of the Q2 2026 filing, Androscoggin Savings Bank reported total assets of $1.76 billion in its FFIEC call report.
Where is Androscoggin Savings Bank headquartered?
It is headquartered in Lewiston, ME, United States.
When was Androscoggin Savings Bank founded?
It was established in 1870, per the FDIC institution directory.
Is Androscoggin Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Androscoggin Savings Bank?
Androscoggin Savings Bank's primary federal regulator is the FDIC.
What is Androscoggin Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Androscoggin Savings Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Androscoggin Savings Bank's Texas Ratio?
Its Texas Ratio is 3.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Androscoggin Savings Bank previously called?
The charter now named Androscoggin Savings Bank has also operated as Androscoggin County SAvings Bank (1971-1974), per FDIC structure-change records.
Go deeper on Androscoggin Savings Bank.
Get an email when Androscoggin Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Androscoggin Savings Bank, freeFree account