Bank Comparison
Gorham Savings Bank vs Main Street Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Gorham Savings Bank | Main Street Bank |
|---|---|---|
| CET1 Ratio | — | 16.51% |
| Tier 1 Capital Ratio | — | 16.51% |
| Total Capital Ratio | — | 17.52% |
| Tier 1 Leverage Ratio | 9.53% | 12.06% |
| Equity / Assets | 7.23% | 11.17% |
Profitability
| Metric | Gorham Savings Bank | Main Street Bank |
|---|---|---|
| Return on Assets (ROA) | 0.24% | 0.53% |
| Return on Equity (ROE) | 3.34% | 4.86% |
| Net Interest Margin (NIM) | 2.38% | 2.96% |
| Yield on Earning Assets | 4.71% | 5.00% |
| Cost of Funds | 2.47% | 2.27% |
Asset quality
| Metric | Gorham Savings Bank | Main Street Bank |
|---|---|---|
| Texas Ratio | 5.15% | 11.18% |
| Non-Performing Loan Ratio | 0.50% | 1.66% |
| Non-Performing Asset Ratio | 0.40% | 1.32% |
| Net Charge-Off Ratio | 0.01% | -0.05% |
| ACL / Loans | 0.74% | 0.92% |
Balance sheet
| Metric | Gorham Savings Bank | Main Street Bank |
|---|---|---|
| Total Assets | $1,608M | $1,612M |
| Total Deposits | $1,393M | $1,344M |
| Total Loans | $1,278M | $1,281M |
| Total Equity | $116,220K | $180,003K |
| Net Income (quarter) | $998 | $2,171K |
Liquidity & funding
| Metric | Gorham Savings Bank | Main Street Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.69% | 95.29% |
| Core Deposit Ratio | 97.16% | 95.15% |
| Uninsured Deposit Ratio | 17.42% | 29.39% |
Identity
| Metric | Gorham Savings Bank | Main Street Bank |
|---|---|---|
| Headquarters City | Gorham | MARLBOROUGH |
| Headquarters State | ME | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 6 |
| Employees (FTE) | 195 | 141 |
| Established | Jan. 1, 1868, midnight | April 3, 1860, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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