Kennebec 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.
Return on assets climbed 1.59 percentage points in Q2 2026, from 0.56% to 2.15%. It was the largest change from Q1 2026 among the key lines here. Among 22 Maine banks, Kennebec Savings Bank sits 3rd from the top on return on assets, 2.15% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Kennebec Savings Bank reported 2.15% on return on assets in Q2 2026, 0.88 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.32% |
| Tier 1 risk-based capital ratio | 17.32% |
| Total risk-based capital ratio | 18.02% |
| Tier 1 leverage ratio | 13.96% |
| Equity capital to assets | 13.42% |
| Tangible equity to tangible assets | 13.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.89% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 127.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 16.23% |
| Net interest margin | 3.05% |
| Efficiency ratio | 72.97% |
| Yield on earning assets | 4.88% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.48% |
| Core deposits to total deposits | 81.16% |
| Brokered deposits to total deposits | 12.80% |
| Deposits to assets | 75.14% |
| Securities to assets | 11.77% |
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 | 15.41% | 15.41% | 16.10% | 12.38% | -0.28% |
| Q4 2023 | 16.52% | 16.52% | 17.24% | 12.65% | 1.45% |
| Q1 2024 | 16.85% | 16.85% | 17.54% | 12.89% | 1.20% |
| Q2 2024 | 17.34% | 17.34% | 18.06% | 12.89% | 0.24% |
| Q3 2024 | 17.30% | 17.30% | 18.01% | 13.08% | 1.05% |
| Q4 2024 | 16.90% | 16.90% | 17.60% | 12.91% | -0.05% |
| Q1 2025 | 16.89% | 16.89% | 17.59% | 12.94% | 0.44% |
| Q2 2025 | 16.98% | 16.98% | 17.68% | 13.22% | 1.51% |
| Q3 2025 | 17.23% | 17.23% | 17.92% | 13.41% | 1.42% |
| Q4 2025 | 17.38% | 17.38% | 18.07% | 13.60% | 1.16% |
| Q1 2026 | 17.56% | 17.56% | 18.27% | 13.60% | 0.56% |
| Q2 2026 | 17.32% | 17.32% | 18.02% | 13.96% | 2.15% |
Kennebec Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kennebec 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 Kennebec Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17897) · FFIEC NIC profile (RSSD 583905)