Kennebunk Savings Bank
Kennebunk Savings Bank is an FDIC-insured savings bank headquartered in Kennebunk, ME, supervised by the FDIC, with $2.17B in total assets at Q3 2026, up 10.5% from Q3 2025, the 9th largest of 22 banks headquartered in Maine. It was established in 1871 and holds FDIC certificate 13063. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.51% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as KSB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13063
- Headquarters
- Kennebunk, ME
- Established
- 1871
- Total assets, Q3 2026
- $2.17B
- Assets vs Q3 2025
- +10.5%
- Tier 1 leverage ratio, Q3 2026
- 10.51%
- Domestic offices
- 17 branches
- Routing number
- 211274502
- Safety and soundness
- Is Kennebunk Savings Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Kennebunk Savings Bank call report
- Holding company
- KENNEBUNK SAVINGS BANCORP, INC.
- Asset rank in state
- 9th of 22 in Maine
Kennebunk Savings Bank leans heavily on commercial real estate. The Kennebunk, Maine bank had $2.2 billion in assets at September 30, 2026, up 10.5% from a year earlier. It holds commercial real estate loans worth 4.0 times its capital, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 2.3 times). On the other hand, it holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 31.1%).
Loans are outrunning deposits: over the year loans rose 13.4% and deposits rose 3.5%. Unrealized losses on its securities total $46 million, equal to 20% of Tier 1 capital, against 20% a year earlier. Profitability lags: it earns about $0.89 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of September 30, 2026, Kennebunk Savings Bank reported a return on assets of 0.89%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.50%. The figures come from its call report filed with the FFIEC.
Kennebunk Savings Bank ranks as the 9th largest of the 22 banks based in Maine, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 0.1% to $2.17B, loans rose 1.0% and deposits rose 4.4%. Its loan book on September 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.0% of total loans, followed by 1-4 family residential loans at 27.7%. Its 17 offices in the FDIC Summary of Deposits are in 13 cities across 2 states; its Kennebunk 3 offices book 32% of its branch deposits. On its Q3 2026 call report, Kennebunk Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 Main St, Kennebunk, ME 04043
- County
- York
- Metro Area
- Portland-South Portland, ME
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1871
- Domestic offices
- 17 branches
- Employees (FTE)
- 305
- Domestic deposits
- $1.75B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $2.16B
- Average total loans
- $1.80B
- Average interest-bearing deposits
- $972.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13063
- Fed RSSD
- 247908
- Website
- www.kennebunksavings.com →
- Parent Holding Company
- KENNEBUNK SAVINGS BANCORP, INC. (RSSD 5117716)
- Ultimate Parent
- KENNEBUNK SAVINGS BANCORP, MHC (RSSD 5117323)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Kennebunk Savings Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Kennebunk Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Kennebunk Savings Bank's total assets ran between $1.81B (Q1 2024) and $2.17B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.17B total assets against $1.97B; $1.99B total liabilities against $1.80B.
$1.80B net loans and leases against $1.58B; $1.75B total deposits against $1.69B.
$204.9M securities against $225.5M; $53.2M cash and balances due against $51.1M.
$27.4M total interest income against $23.7M; $8.6M total interest expense against $6.7M.
$18.8M net interest income against $17.0M.
$3.3M total noninterest income against $3.2M; $14.8M total noninterest expense against $14.1M.
$1.1M provision for credit losses against $817K.
$4.8M net income against $4.2M.
0.89% return on assets against 0.87%; 3.57% net interest margin against 3.65%.
10.51% tier 1 leverage ratio against 10.88%.
Inside the full Kennebunk Savings Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Kennebunk Savings Bank rankings
Its closest position to the top of a national ranking is 570 of 4,193, for total assets; its furthest is 847 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.58% (Q1 2025) to 0.91% (Q4 2025) and its net interest margin ran from 3.23% (Q1 2025) to 3.71% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 10.51% | 0.89% | 0.17% | 1.50% | 3.57% |
| Q2 2026 | 10.56% | 0.88% | 0.10% | 0.90% | 3.60% |
| Q1 2026 | 10.78% | 0.89% | 0.15% | 1.33% | 3.51% |
| Q4 2025 | 10.87% | 0.91% | 0.14% | 1.22% | 3.71% |
| Q3 2025 | 10.88% | 0.87% | 0.15% | 1.25% | 3.65% |
| Q2 2025 | 10.85% | 0.67% | 0.16% | 1.38% | 3.34% |
| Q1 2025 | 10.86% | 0.58% | 0.07% | 0.60% | 3.23% |
| Q4 2024 | 10.82% | 0.70% | 0.03% | 0.29% | 3.40% |
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 |
|---|---|---|---|
| Kennebunk Savings Bank (main office) | Kennebunk , ME | 04043 | $293.6M |
| Kennebunk Financial Center | Kennebunk , ME | 04043 | $180.5M |
| The 1871 Group Branch | Portsmouth , NH | 03801 | $135.8M |
| Hannaford Drive Branch | York , ME | 03909 | $130.3M |
| Wells Branch | Wells , ME | 04090 | $105.4M |
| Eliot Branch | Eliot , ME | 03903 | $100.7M |
| York Branch | York , ME | 03909 | $94.5M |
| South Sanford Branch | Sanford , ME | 04073 | $89.4M |
| Ogunquit Branch | Ogunquit , ME | 03907 | $77.8M |
| North Berwick Branch | North Berwick , ME | 03906 | $72.3M |
| Lower Village Branch | Kennebunk , ME | 04043 | $70.5M |
| Kittery Branch | Kittery , ME | 03904 | $67.9M |
| Stratham Branch | Stratham , NH | 03885 | $59.2M |
| Dover Nh Branch | Dover , NH | 03820 | $58.1M |
| Berwick Branch | Berwick , ME | 03901 | $57.8M |
| Portsmouth Nh Branch | Portsmouth , NH | 03801 | $54.2M |
| Hampton Nh Branch | Hampton , NH | 03842 | $30.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.9% of deposits in ME, rank 14 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 579 applications, 353 loans originated, $150.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $2.4M approved, $203K 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 Kennebunk Savings Bank
What are Kennebunk Savings Bank's total assets?
As of the Q3 2026 filing, Kennebunk Savings Bank reported total assets of $2.17 billion in its FFIEC call report.
Where is Kennebunk Savings Bank headquartered?
It is headquartered in Kennebunk, ME, United States.
When was Kennebunk Savings Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Kennebunk Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #13063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kennebunk Savings Bank?
Kennebunk Savings Bank's primary federal regulator is the FDIC.
How many branches does Kennebunk Savings Bank 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 Kennebunk Savings Bank's Texas Ratio?
Its Texas Ratio is 1.50% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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