Aroostook County Federal Savings & Loan Association: 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: 103.71 percentage points lower than in Q1 2026, at 137.00%. Within Maine, Aroostook County Federal Savings & Loan Association is 15th of 22 on return on assets, 0.81% as of Q2 2026, below the middle of the field. Aroostook County Federal Savings & Loan Association reported 0.81% on return on assets for Q2 2026, 0.45 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.04% |
| Tier 1 risk-based capital ratio | 16.04% |
| Total risk-based capital ratio | 16.69% |
| Tier 1 leverage ratio | 10.39% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.16% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | 137.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 8.07% |
| Net interest margin | 3.35% |
| Efficiency ratio | 72.46% |
| Yield on earning assets | 5.68% |
| Cost of funds | 2.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.15% |
| Core deposits to total deposits | 88.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.45% |
| Securities to assets | 16.75% |
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 | 17.11% | 17.11% | 17.98% | 10.33% | 0.65% |
| Q4 2023 | 17.02% | 17.02% | 17.83% | 10.19% | 0.30% |
| Q1 2024 | 17.48% | 17.48% | 18.30% | 10.33% | 0.30% |
| Q2 2024 | 17.55% | 17.55% | 18.34% | 10.24% | 0.30% |
| Q3 2024 | 17.45% | 17.45% | 18.23% | 9.88% | 0.33% |
| Q4 2024 | 17.64% | 17.64% | 18.41% | 9.88% | 0.52% |
| Q1 2025 | 17.67% | 17.67% | 18.41% | 9.97% | 0.61% |
| Q2 2025 | 17.37% | 17.37% | 18.13% | 10.13% | 0.47% |
| Q3 2025 | 17.50% | 17.50% | 18.27% | 10.10% | 0.72% |
| Q4 2025 | 17.44% | 17.44% | 18.17% | 10.24% | 0.79% |
| Q1 2026 | 17.05% | 17.05% | 17.75% | 10.38% | 0.90% |
| Q2 2026 | 16.04% | 16.04% | 16.69% | 10.39% | 0.81% |
Aroostook County Federal Savings & Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Aroostook County Federal Savings & Loan Association, 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 Aroostook County Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29743) · FFIEC NIC profile (RSSD 351878)