Aroostook County Federal Savings & Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Aroostook County Federal Savings & Loan Association is an FDIC-insured savings and loan association headquartered in Caribou, ME, supervised by the OCC, with $214.0M in total assets at Q2 2026, up 6.6% from Q2 2025, the 18th largest of 22 banks headquartered in Maine. It was established in 1936 and holds FDIC certificate 29743. Its CET1 capital ratio was 16.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29743
- Headquarters
- Caribou, ME
- Established
- 1936
- Total assets, Q2 2026
- $214.0M
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 16.04%
- Domestic offices
- 2 · Aroostook County Federal Savings & Loan Association branches FDIC institution directory, current count
- Routing number
- 211273794
- Safety and soundness
- Is Aroostook County Federal Savings & Loan Association safe?
- Latest call report
- Q2 2026, FFIEC 051 · Aroostook County Federal Savings & Loan Association call report
- Asset rank in state
- 18th of 22 in Maine
Aroostook County Federal Savings & Loan Association, based in Caribou, Maine, reported $214 million in assets at June 30, 2026, up 6.6% from a year earlier. It grew its loan book 17.5% over the year, about triple the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 2.62% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $422,000, 80% above the same quarter a year earlier. Over the same year, loans grew 17.5% and deposits grew 4.6%. Its margin is thin by comparison: it keeps 3.35 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, Aroostook County Federal Savings & Loan Association reported a CET1 capital ratio of 16.04%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 5.16%. The figures come from its call report filed with the FFIEC.
Aroostook County Federal Savings & Loan Association ranks as the 18th largest of the 22 banks based in Maine, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.7% to $214.0M, loans rose 8.0% and deposits rose 4.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 59.0% of total loans, followed by commercial and industrial loans at 24.8%. The FDIC Summary of Deposits lists 2 offices for it, in Caribou, ME and Presque Isle, ME; its Caribou office books 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, Aroostook County Federal Savings & Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 43 High St, Caribou, ME 04736
- County
- Aroostook
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 29, 1936
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $185.0M
- Allowance for credit losses
- $885K
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $209.4M
- Average total loans
- $156.1M
- Average interest-bearing deposits
- $163.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29743
- Fed RSSD
- 351878
- Website
- www.yourhomebank.com →
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
From Q3 2023 to Q2 2026, Aroostook County Federal Savings & Loan Association's total assets ranged from $181.2M (Q3 2023) to $214.0M (Q2 2026), 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
$214.0M total assets against $200.8M; $192.8M total liabilities against $181.6M.
$164.0M net loans and leases against $139.5M; $185.0M total deposits against $176.9M.
$35.8M securities against $42.3M; $9.8M cash and balances due against $16.1M.
$2.8M total interest income against $2.5M; $1.2M total interest expense against $1.2M.
$1.7M net interest income against $1.3M.
$274K total noninterest income against $239K; $1.4M total noninterest expense against $1.2M.
$0 provision for credit losses against $52K.
$422K net income against $235K.
0.81% return on assets against 0.47%; 3.35% net interest margin against 2.72%.
16.04% CET1 capital ratio against 17.37%; 10.39% tier 1 leverage ratio against 10.13%.
Inside the full Aroostook County Federal Savings & Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAroostook County Federal Savings & Loan Association rankings
Its closest position to the top of a national ranking is 704 of 2,134, for CET1 ratio; its furthest is 2,907 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q3 2024) to 0.90% (Q1 2026) and its net interest margin ran from 2.14% (Q3 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.04% | 0.81% | 0.39% | 5.16% | 3.35% |
| Q1 2026 | 17.05% | 0.90% | 0.24% | 3.79% | 3.21% |
| Q4 2025 | 17.44% | 0.79% | 0.36% | 4.62% | 3.06% |
| Q3 2025 | 17.50% | 0.72% | 0.66% | 5.18% | 2.87% |
| Q2 2025 | 17.37% | 0.47% | 0.47% | 3.79% | 2.72% |
| Q1 2025 | 17.67% | 0.61% | 0.33% | 2.78% | 2.55% |
| Q4 2024 | 17.64% | 0.52% | 0.48% | 3.72% | 2.49% |
| Q3 2024 | 17.45% | 0.33% | 0.53% | 3.94% | 2.14% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Aroostook County Federal Savings and Loan Association | Caribou , ME | 04736 | $114.0M |
| 364 Main Street Branch | Presque Isle , ME | 04769 | $70.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in ME, rank 22 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Aroostook County Federal Savings & Loan Association
What are Aroostook County Federal Savings & Loan Association's total assets?
As of the Q2 2026 filing, Aroostook County Federal Savings & Loan Association reported total assets of $214.0 million in its FFIEC call report.
Where is Aroostook County Federal Savings & Loan Association headquartered?
It is headquartered in Caribou, ME, United States.
When was Aroostook County Federal Savings & Loan Association founded?
It was established in 1936, per the FDIC institution directory.
Is Aroostook County Federal Savings & Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29743). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Aroostook County Federal Savings & Loan Association?
Aroostook County Federal Savings & Loan Association's primary federal regulator is the OCC.
What is Aroostook County Federal Savings & Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Aroostook County Federal Savings & Loan Association operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Aroostook County Federal Savings & Loan Association's Texas Ratio?
Its Texas Ratio is 5.16% 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.
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