Bank Comparison
Maine Community Bank vs U.S. Bank Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 11
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Maine Community Bank | U.S. Bank Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.96% | 93.19% |
| Equity / Assets | 9.37% | 92.35% |
Profitability
| Metric | Maine Community Bank | U.S. Bank Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.97% | 17.76% |
| Return on Equity (ROE) | 10.48% | 19.29% |
| Net Interest Margin (NIM) | 3.55% | 3.79% |
| Yield on Earning Assets | 5.46% | 3.79% |
| Cost of Funds | 2.01% | — |
Asset quality
| Metric | Maine Community Bank | U.S. Bank Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 6.54% | 0.00% |
| Non-Performing Loan Ratio | 0.62% | — |
| Non-Performing Asset Ratio | 0.60% | 0.00% |
| Net Charge-Off Ratio | 0.34% | — |
| ACL / Loans | 0.66% | — |
Balance sheet
| Metric | Maine Community Bank | U.S. Bank Trust Company, N.A. |
|---|---|---|
| Total Assets | $2,894M | $2,898M |
| Total Deposits | $2,271M | $0 |
| Total Loans | $2,396M | $0 |
| Total Equity | $271,101K | $2,677M |
| Net Income (quarter) | $7,017K | $126,092K |
Liquidity & funding
| Metric | Maine Community Bank | U.S. Bank Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 105.53% | — |
| Core Deposit Ratio | 96.00% | — |
| Uninsured Deposit Ratio | 14.64% | — |
Identity
| Metric | Maine Community Bank | U.S. Bank Trust Company, N.A. |
|---|---|---|
| Headquarters City | PORTLAND | PORTLAND |
| Headquarters State | ME | OR |
| Asset Tier | Large | Large |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 23 | — |
| Employees (FTE) | 363 | 1,911 |
| Established | July 27, 1867, 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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