Katahdin Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Katahdin Trust Company is an FDIC-insured commercial bank headquartered in Patten, ME, established in 1918 (FDIC certificate 12874), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.16B, up 6.7% from Q2 2025, the 14th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 12.71% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12874
- Headquarters
- Patten, ME
- Established
- 1918
- Total assets, Q2 2026
- $1.16B
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 12.71%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 011202392
- Latest call report
- Q2 2026, FFIEC 051 · Katahdin Trust Company call report
- Holding company
- KATAHDIN BANKSHARES CORPORATION
- Asset rank in state
- 14th of 22 in Maine
Problem loans are rising at Katahdin Trust Company. Its balance sheet stood at $1.2 billion at June 30, 2026, up 6.7% from a year earlier; it is based in Patten, Maine. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.48% of loans from 0.16% a year earlier. It holds 9% of its deposits (9%) above the FDIC insurance limit, about a third the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it earns about $0.87 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
Delinquency has appeared in its $108 million multifamily book: 2.16% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 9.9% and deposits rose 3.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Katahdin Trust Company reported a CET1 capital ratio of 12.71%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.95%. The figures come from its call report filed with the FFIEC.
Of the 22 banks headquartered in Maine, Katahdin Trust Company is the 14th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.1% to $1.16B, loans rose 5.4% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.7% of total loans, followed by non-owner-occupied commercial real estate loans at 26.5%. Its 17 offices in the FDIC Summary of Deposits are in 15 cities in ME; its Bangor 2 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Katahdin Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11 Main St, Patten, ME 04765
- County
- Penobscot
- Metro Area
- Bangor, ME
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- March 7, 1918
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 187
- Domestic deposits
- $965.9M
- Allowance for credit losses
- $9.0M
- Net charge-offs (YTD)
- $322K
- Average total assets
- $1.14B
- Average total loans
- $906.2M
- Average interest-bearing deposits
- $761.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12874
- Fed RSSD
- 327305
- SEC CIK
- 794272 → filed by KATAHDIN BANKSHARES CORPORATION
- Website
- www.katahdintrust.com →
- Parent Holding Company
- KATAHDIN BANKSHARES CORPORATION (RSSD 1140127)
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
Katahdin Trust Company's total assets moved between a low of $1.02B (Q3 2023) and a high of $1.16B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.16B total assets against $1.09B; $1.05B total liabilities against $985.1M.
$921.7M net loans and leases against $838.4M; $965.9M total deposits against $934.9M.
$156.2M securities against $157.9M; $19.6M cash and balances due against $28.5M.
$14.9M total interest income against $14.1M; $4.4M total interest expense against $4.4M.
$10.5M net interest income against $9.7M.
$1.3M total noninterest income against $1.1M; $8.0M total noninterest expense against $7.7M.
$809K provision for credit losses against -$145K.
$2.5M net income against $2.6M.
0.87% return on assets against 0.95%; 3.89% net interest margin against 3.73%.
12.71% CET1 capital ratio against 13.25%; 10.00% tier 1 leverage ratio against 9.75%.
Inside the full Katahdin Trust Company 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.
Katahdin Trust Company rankings
Its closest position to the top of a national ranking is 913 of 4,196, for total assets; its furthest is 942 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q4 2024) to 1.14% (Q4 2025) and its net interest margin ran from 3.60% (Q3 2024) to 3.92% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.71% | 0.87% | 0.48% | 3.95% | 3.89% |
| Q1 2026 | 13.37% | 0.92% | 0.52% | 4.10% | 3.89% |
| Q4 2025 | 13.47% | 1.14% | 0.70% | 5.45% | 3.90% |
| Q3 2025 | 13.37% | 1.00% | 0.71% | 5.57% | 3.92% |
| Q2 2025 | 13.25% | 0.95% | 0.16% | 1.35% | 3.73% |
| Q1 2025 | 14.37% | 0.90% | 0.16% | 1.37% | 3.64% |
| Q4 2024 | 12.91% | 0.74% | 0.17% | 1.41% | 3.75% |
| Q3 2024 | 15.21% | 0.94% | 0.19% | 1.35% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 |
|---|---|---|---|
| Springer Drive Bangor Branch | Bangor , ME | 04401 | $153.8M |
| Presque Isle Branch | Presque Isle , ME | 04769 | $143.1M |
| Katahdin Trust Company (main office) | Patten , ME | 04765 | $140.5M |
| Houlton Branch | Houlton , ME | 04730 | $111.6M |
| Caribou Branch | Caribou , ME | 04736 | $82.9M |
| Broadway Bangor Branch | Bangor , ME | 04401 | $48.1M |
| Scarborough Branch | Scarborough , ME | 04074 | $46.1M |
| Hampden Branch | Hampden , ME | 04444 | $46.0M |
| Fort Kent Branch | Fort Kent , ME | 04743 | $43.4M |
| Mars Hill Branch | Mars Hill , ME | 04758 | $31.6M |
| Van Buren Branch | Van Buren , ME | 04785 | $28.0M |
| Ashland Branch | Ashland , ME | 04732 | $24.3M |
| Island Falls Branch | Island Falls , ME | 04747 | $18.3M |
| Oakfield Branch | Oakfield , ME | 04763 | $18.0M |
| Fort Fairfield Branch | Fort Fairfield , ME | 04742 | $17.2M |
| Eagle Lake Branch | Eagle Lake , ME | 04739 | $13.0M |
| Houlton Operations Center Branch | Houlton , ME | 04730 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.1% of deposits in ME, rank 18 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 217 applications, 154 loans originated, $46.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $1.6M approved, $149K 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 Katahdin Trust Company
What are Katahdin Trust Company's total assets?
As of the Q2 2026 filing, Katahdin Trust Company reported total assets of $1.16 billion in its FFIEC call report.
Where is Katahdin Trust Company headquartered?
It is headquartered in Patten, ME, United States.
When was Katahdin Trust Company founded?
It was established in 1918, per the FDIC institution directory.
Is Katahdin Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Katahdin Trust Company?
Katahdin Trust Company's primary federal regulator is the FDIC.
What is Katahdin Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.71% in its Q2 2026 call report, above regulatory requirements.
How many branches does Katahdin Trust Company operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Katahdin Trust Company's Texas Ratio?
Its Texas Ratio is 3.95% 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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