Bangor Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Bangor Savings Bank is an FDIC-insured savings bank headquartered in Bangor, ME, established in 1852 (FDIC certificate 18408), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.74B, up 5.5% from Q2 2025, the largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 10.38% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18408
- Headquarters
- Bangor, ME
- Established
- 1852
- Total assets, Q2 2026
- $7.74B
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 10.38%
- Domestic offices
- 72 FDIC institution directory, current count
- Routing number
- 211274382
- Latest call report
- Q2 2026, FFIEC 041 · Bangor Savings Bank call report
- Holding company
- BANGOR BANCORP, MHC
- Asset rank in state
- 1st of 22 in Maine
Bangor Savings Bank spends more to run itself than most banks of its size. It reported $7.7 billion in assets at June 30, 2026, up 5.5% from a year earlier. It earns about $0.48 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $161 million equal 27% of Tier 1 capital, down from 36% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 3.4% and deposits fell 3.3%. Where it has less room is capital: it holds common equity equal to 10.38% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
As of June 30, 2026, Bangor Savings Bank reported a CET1 capital ratio of 10.38%, a return on assets of 0.48%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 4.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bangor Savings Bank is the largest of the 22 banks headquartered in Maine. Between Q1 2026 and Q2 2026, its total assets rose 4.3% to $7.74B, loans rose 2.4% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.3% of total loans, followed by non-owner-occupied commercial real estate loans at 18.5%. Its 71 offices in the FDIC Summary of Deposits are in 57 cities across 2 states; its Bangor 5 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, Bangor Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 24 Hamlin Way, Bangor, ME 04401
- County
- Penobscot
- Metro Area
- Bangor, 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 041
- Established
- February 14, 1852
- Domestic offices
- 72 FDIC institution directory, current count
- Employees (FTE)
- 1,173
- Domestic deposits
- $5.72B
- Allowance for credit losses
- $41.0M
- Net charge-offs (YTD)
- $455K
- Average total assets
- $7.76B
- Average total loans
- $5.16B
- Average interest-bearing deposits
- $4.46B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1961
- FDIC Cert
- 18408
- Fed RSSD
- 419406
- Website
- www.bangor.com →
- Parent Holding Company
- BANGOR BANCORP, MHC (RSSD 3547999)
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, Bangor Savings Bank's total assets ran between $7.21B (Q1 2024) and $7.74B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.74B total assets against $7.34B; $7.20B total liabilities against $6.87B.
$5.20B net loans and leases against $5.03B; $5.72B total deposits against $5.92B.
$1.73B securities against $1.53B; $106.7M cash and balances due against $115.4M.
$80.0M total interest income against $70.9M; $28.8M total interest expense against $30.5M.
$51.2M net interest income against $40.4M.
$23.5M total noninterest income against $22.9M; $61.8M total noninterest expense against $56.6M.
$1.3M provision for credit losses against $5.3M.
$9.3M net income against $1.6M.
0.48% return on assets against 0.09%; 2.89% net interest margin against 2.37%.
10.38% CET1 capital ratio against 10.41%; 7.79% tier 1 leverage ratio against 7.61%.
Inside the full Bangor 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.
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.
Bangor Savings Bank rankings
Its closest position to the top of a national ranking is 198 of 4,196, for total assets; its furthest is 2,055 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.09% (Q2 2025) to 0.91% (Q4 2025) and its net interest margin ran from 2.14% (Q3 2024) to 2.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | 0.48% | 0.47% | 4.80% | 2.89% |
| Q1 2026 | 10.58% | 0.25% | 0.45% | 4.62% | 2.86% |
| Q4 2025 | 10.62% | 0.91% | 0.37% | 3.83% | 2.74% |
| Q3 2025 | 10.63% | 0.42% | 0.23% | 2.61% | 2.54% |
| Q2 2025 | 10.41% | 0.09% | 0.66% | 7.74% | 2.37% |
| Q1 2025 | 10.69% | 0.12% | 0.16% | 1.95% | 2.27% |
| Q4 2024 | 10.50% | 0.21% | 0.13% | 2.50% | 2.22% |
| Q3 2024 | 10.89% | 0.35% | 0.08% | 1.71% | 2.14% |
Swipe the table sideways to see every column.
Branch Network
View all 71 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 |
|---|---|---|---|
| Bangor Savings Bank (main office) | Bangor , ME | 04401 | $1.39B |
| Brighton Avenue Portland Branch | Portland , ME | 04102 | $247.1M |
| Falmouth Branch | Falmouth , ME | 04105 | $126.5M |
| Hampden Branch | Hampden , ME | 04444 | $125.2M |
| Western Avenue Branch | Augusta , ME | 04330 | $118.1M |
| Skowhegan Branch | Skowhegan , ME | 04976 | $117.4M |
| Bangor Branch | Bangor , ME | 04401 | $110.6M |
| Colebrook Branch | Colebrook , NH | 03576 | $110.4M |
| Bangor Branch | Bangor , ME | 04401 | $109.1M |
| Brewer Branch | Brewer , ME | 04412 | $107.4M |
| South Portland Branch | South Portland , ME | 04106 | $103.9M |
| Belfast Branch | Belfast , ME | 04915 | $99.9M |
| Old Town Branch | Old Town , ME | 04468 | $90.2M |
| Scarborough Branch | Scarborough , ME | 04074 | $90.1M |
| Ellsworth Branch | Ellsworth , ME | 04605 | $90.0M |
| 77 Middle Street Branch | Portland , ME | 04101 | $89.3M |
| Cornish Branch | Cornish , ME | 04020 | $89.1M |
| Community Drive Agusta Branch | Augusta , ME | 04330 | $85.2M |
| Allen Avenue Portland Branch | Portland , ME | 04103 | $83.2M |
| Brunswick Branch | Brunswick , ME | 04011 | $80.1M |
| Turner Street Branch Office | Auburn , ME | 04210 | $78.8M |
| Dover-Foxcroft Branch | Dover-Foxcroft , ME | 04426 | $77.3M |
| Damariscotta Branch | Damariscotta , ME | 04543 | $74.3M |
| Middle Street Portland Branch | Portland , ME | 04101 | $72.6M |
| Marginal Way Portland Branch | Portland , ME | 04101 | $72.4M |
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 |
|---|---|---|---|
| December 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2020 | Structure Change | Acquired Damariscotta Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 2018 | Structure Change | Acquired Granite Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 6, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired Pepperell Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1981 | Structure Change | Acquired Houlton Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1977 | Structure Change | Acquired Eastport Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1977 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1976 | Structure Change | Acquired Piscataquis Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 11.7% of deposits in ME, rank 1 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,271 applications, 3,701 loans originated, $1.13B originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 63 loans, $13.5M approved, $214K 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
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Frequently asked about Bangor Savings Bank
What are Bangor Savings Bank's total assets?
As of the Q2 2026 filing, Bangor Savings Bank reported total assets of $7.74 billion in its FFIEC call report.
Where is Bangor Savings Bank headquartered?
It is headquartered in Bangor, ME, United States.
When was Bangor Savings Bank founded?
It was established in 1852, per the FDIC institution directory.
Is Bangor Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18408). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bangor Savings Bank?
Bangor Savings Bank's primary federal regulator is the FDIC.
What is Bangor Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.38% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bangor Savings Bank operate?
It operates 72 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bangor Savings Bank's Texas Ratio?
Its Texas Ratio is 4.80% 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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