Androscoggin Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 50.45 percentage points higher than in Q1 2026, at 204.25%. Within Maine, Androscoggin Savings Bank is 16th of 22 on return on assets, 0.78% as of Q2 2026, below the middle of the field. Androscoggin Savings Bank reported 0.78% on return on assets for Q2 2026, 0.49 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.19% |
| Tier 1 leverage ratio | 10.76% |
| Equity capital to assets | 10.76% |
| Tangible equity to tangible assets | 10.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.62% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 204.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 7.54% |
| Net interest margin | 3.18% |
| Efficiency ratio | 71.88% |
| Yield on earning assets | 5.31% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.24% |
| Core deposits to total deposits | 69.71% |
| Brokered deposits to total deposits | 27.62% |
| Deposits to assets | 81.10% |
| Securities to assets | 6.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.58% | 11.58% | 12.60% | 9.48% | 0.63% |
| Q4 2023 | 11.22% | 11.22% | 12.18% | 9.46% | 0.61% |
| Q1 2024 | 11.05% | 11.05% | 11.99% | 9.46% | 0.41% |
| Q2 2024 | 11.75% | 11.75% | 12.76% | 9.47% | 0.48% |
| Q3 2024 | 11.66% | 11.66% | 12.66% | 9.52% | 0.42% |
| Q4 2024 | 11.58% | 11.58% | 12.60% | 9.58% | 0.40% |
| Q1 2025 | 11.38% | 11.38% | 12.39% | 9.65% | 0.37% |
| Q2 2025 | 12.90% | 12.90% | 13.92% | 10.50% | 0.54% |
| Q3 2025 | 12.89% | 12.89% | 13.93% | 10.62% | 0.59% |
| Q4 2025 | 12.79% | 12.79% | 13.82% | 10.33% | 0.69% |
| Q1 2026 | 12.91% | 12.91% | 13.94% | 10.77% | 0.56% |
| Q2 2026 | 13.15% | 13.15% | 14.19% | 10.76% | 0.78% |
Androscoggin Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Androscoggin Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Androscoggin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17751) · FFIEC NIC profile (RSSD 132107)