Maine Community Bank
BankRegReports is independent of Maine Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Maine Community Bank is an FDIC-insured savings bank headquartered in Portland, ME, established in 1867 (FDIC certificate 17741), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.98B, up 8.2% from Q2 2025, the 6th largest of 22 banks headquartered in Maine. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17741
- Headquarters
- Portland, ME
- Established
- 1867
- Total assets, Q2 2026
- $2.98B
- Assets vs Q2 2025
- +8.2%
- Tier 1 leverage ratio, Q2 2026
- 10.11%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 211274395
- Holding company
- MAINE COMMUNITY BANCORP, INC.
- Asset rank in state
- 6th of 22 in Maine
Maine Community Bank, based in Portland, Maine, reported $3.0 billion in assets at June 30, 2026, up 8.2% from a year earlier. It holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $10.0 million, 71% above the same quarter a year earlier. Over the same year, loans grew 8.6% and deposits grew 2.0%.
As of June 30, 2026, Maine Community Bank reported a return on assets of 1.36%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 5.00%. The figures come from its call report filed with the FFIEC.
Of the 22 banks headquartered in Maine, Maine Community Bank is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $2.98B, loans rose 3.2% and deposits rose 1.2%. 1-4 family residential loans made up 32.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 30.5%. Its 23 offices in the FDIC Summary of Deposits are in 16 cities in ME; its Portland 3 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Maine Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 India St, Portland, ME 04101
- County
- Cumberland
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 27, 1867
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 366
- Domestic deposits
- $2.30B
- Allowance for credit losses
- $15.7M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $2.94B
- Average total loans
- $2.41B
- Average interest-bearing deposits
- $1.91B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 4, 1957
- FDIC Cert
- 17741
- Fed RSSD
- 499501
- Website
- www.maine.bank →
- Parent Holding Company
- MAINE COMMUNITY BANCORP, INC. (RSSD 4902652)
- Ultimate Parent
- MAINE COMMUNITY BANCORP, MHC (RSSD 4902643)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Maine Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Maine Community Bank's total assets moved between a low of $1.06B (Q3 2023) and a high of $2.98B (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
$2.98B total assets against $2.76B; $2.70B total liabilities against $2.51B.
$2.46B net loans and leases against $2.26B; $2.30B total deposits against $2.25B.
$242.3M securities against $247.8M; $88.3M cash and balances due against $48.7M.
$38.7M total interest income against $36.4M; $13.5M total interest expense against $13.1M.
$25.3M net interest income against $23.3M.
$4.5M total noninterest income against $3.1M; $18.6M total noninterest expense against $19.6M.
$109K provision for credit losses against $160K.
$9.9M net income against $5.8M.
1.36% return on assets against 0.84%; 3.67% net interest margin against 3.65%.
10.11% tier 1 leverage ratio against 9.84%.
Inside the full Maine Community 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).
Maine Community Bank rankings
Its closest position to the top of a national ranking is 421 of 4,196, for total assets; its furthest is 882 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q1 2025) to 1.36% (Q2 2026) and its net interest margin ran from 3.06% (Q3 2024) to 3.67% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.11% | 1.36% | 0.46% | 5.00% | 3.67% |
| Q1 2026 | 9.96% | 0.97% | 0.45% | 4.99% | 3.55% |
| Q4 2025 | 9.88% | 0.73% | 0.57% | 5.20% | 3.66% |
| Q3 2025 | 9.80% | 0.45% | 0.59% | 5.42% | 3.67% |
| Q2 2025 | 9.84% | 0.84% | 0.62% | 5.80% | 3.65% |
| Q1 2025 | 9.62% | 0.45% | 0.44% | 4.13% | 3.42% |
| Q4 2024 | 13.27% | 0.70% | 0.35% | 2.22% | 3.11% |
| Q3 2024 | 13.24% | 0.71% | 0.28% | 1.75% | 3.06% |
Swipe the table sideways to see every column.
Branch Network
View all 23 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 |
|---|---|---|---|
| Portland Branch | Portland , ME | 04101 | $340.5M |
| Gorham Savings Bank Branch | Gorham , ME | 04038 | $260.3M |
| Mechanic Savings Br | Auburn , ME | 04210 | $174.6M |
| Scarborough Hannaford Drive Branch | Scarborough , ME | 04074 | $173.3M |
| Windham Branch | Windham , ME | 04062 | $160.1M |
| Portland Marginal Way Branch | Portland , ME | 04101 | $149.9M |
| 254 Main Street Branch | Biddeford , ME | 04005 | $132.6M |
| Standish Branch | Standish , ME | 04084 | $123.5M |
| Alfred Street Branch | Biddeford , ME | 04005 | $99.0M |
| Waterboro Branch | East Waterboro , ME | 04030 | $96.7M |
| Waterboro Main Street Branch | Waterboro , ME | 04087 | $78.3M |
| West Falmouth Crossing Branch | Falmouth , ME | 04105 | $76.0M |
| Falmouth-Foreside Branch | Falmouth , ME | 04105 | $66.0M |
| Lewiston Branch | Lewiston , ME | 04240 | $60.5M |
| South Portland Branch | South Portland , ME | 04106 | $57.0M |
| Scarborough Us Rt 1 Branch | Scarborough , ME | 04074 | $54.1M |
| Kennebunk Branch | Kennebunk , ME | 04043 | $48.4M |
| Westbrook Branch | Westbrook , ME | 04092 | $45.6M |
| Brunswick Branch | Brunswick , ME | 04011 | $37.2M |
| Windham Drive-In Lane Branch | Windham , ME | 04062 | $32.9M |
| Call C En T Er Branch | Gorham , ME | 04038 | $18.3M |
| Yarmouth | Yarmouth , ME | 04096 | $13.9M |
| Maine Community Bank (main office) | Portland , ME | 04101 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2025 | Structure Change | Acquired Gorham Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Mechanics' Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 5.0% of deposits in ME, rank 7 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 812 applications, 595 loans originated, $196.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 35 loans, $11.4M approved, $325K 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
Add this badge to your website
Free to use. It shows Maine Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Maine Community Bank with peers
Frequently asked about Maine Community Bank
What are Maine Community Bank's total assets?
As of the Q2 2026 filing, Maine Community Bank reported total assets of $2.98 billion in its FFIEC call report.
Where is Maine Community Bank headquartered?
It is headquartered in Portland, ME, United States.
When was Maine Community Bank founded?
It was established in 1867, per the FDIC institution directory.
Is Maine Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Maine Community Bank?
Maine Community Bank's primary federal regulator is the FDIC.
How many branches does Maine Community Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Maine Community Bank's Texas Ratio?
Its Texas Ratio is 5.00% 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.
Go deeper on Maine Community Bank.
Get an email when Maine Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock Maine Community Bank, freeFree account