Bangor 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 Deposits to assets: 3.06 percentage points lower than in Q1 2026, at 73.94%. Within Maine, Bangor Savings Bank is 17th of 22 on return on assets, 0.48% as of Q2 2026, below the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Bangor Savings Bank reported 0.48% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.38% |
| Tier 1 risk-based capital ratio | 10.38% |
| Total risk-based capital ratio | 11.14% |
| Tier 1 leverage ratio | 7.79% |
| Equity capital to assets | 6.97% |
| Tangible equity to tangible assets | 6.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.51% |
| Allowance for credit losses to loans | 0.78% |
| Reserve coverage of non-performing loans | 146.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.48% |
| Return on equity | 6.96% |
| Net interest margin | 2.89% |
| Efficiency ratio | 82.68% |
| Yield on earning assets | 4.51% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.63% |
| Core deposits to total deposits | 98.22% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 73.94% |
| Securities to assets | 22.40% |
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 | 10.95% | 10.95% | 11.66% | 7.25% | 0.42% |
| Q4 2023 | 11.12% | 11.12% | 11.80% | 7.37% | 0.40% |
| Q1 2024 | 10.96% | 10.96% | 11.65% | 7.41% | -0.01% |
| Q2 2024 | 10.73% | 10.73% | 11.40% | 7.46% | 0.11% |
| Q3 2024 | 10.89% | 10.89% | 11.53% | 7.47% | 0.35% |
| Q4 2024 | 10.50% | 10.50% | 11.12% | 7.62% | 0.21% |
| Q1 2025 | 10.69% | 10.69% | 11.36% | 7.62% | 0.12% |
| Q2 2025 | 10.41% | 10.41% | 11.15% | 7.61% | 0.09% |
| Q3 2025 | 10.63% | 10.63% | 11.35% | 7.75% | 0.42% |
| Q4 2025 | 10.62% | 10.62% | 11.34% | 7.95% | 0.91% |
| Q1 2026 | 10.58% | 10.58% | 11.35% | 7.97% | 0.25% |
| Q2 2026 | 10.38% | 10.38% | 11.14% | 7.79% | 0.48% |
Bangor Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bangor 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 Bangor Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18408) · FFIEC NIC profile (RSSD 419406)