Maine Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Maine Community Bank of Portland, ME against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.36% | 1.46% | -0.10% | 57th above |
| ROAE | 14.47% | 12.71% | +1.76% | 67th above |
| Net Interest Margin | 3.67% | 3.85% | -0.18% | 47th below |
| Efficiency Ratio | 60.56% | 57.40% | +3.16% | 43rd below |
| PPNR / Avg Assets | 1.51% | 1.88% | -0.37% | 37th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.72% | -0.11% | 54th above |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 51st above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.15% | 3.18% | -0.03% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 1.00% | -0.37% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.60% | 0.76% | -0.16% | 42nd below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 56th above |
| ACL / Total Loans | 0.64% | 1.31% | -0.67% | 7th bottom |
| ACL / NPLs (Coverage) | 100.99% | 543.87% | -442.88% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.48% | 7.39% | -0.91% | 38th below |
| Provision / NCO | 5.48% | 619.44% | -613.96% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.11% | 11.44% | -1.33% | 40th below |
| Equity / Assets | 9.40% | 11.34% | -1.94% | 29th below |
| TCE / Tangible Assets | 8.80% | 10.50% | -1.70% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.55% | 86.93% | +20.62% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.70% | 85.55% | +2.15% | 45th below |
| Uninsured Deposit Ratio | 15.63% | 33.14% | -17.51% | 91st top |
| Wholesale Funding Ratio | 12.37% | 5.69% | +6.68% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.17% | 9.68% | -1.51% | 68th above |
| Loan Growth (Y/Y) | 8.55% | 8.06% | +0.49% | 67th above |
| Deposit Growth (Y/Y) | 2.01% | 7.88% | -5.87% | 30th below |
See Maine Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Maine Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Maine Community Bank profile, how to read a UBPR, or how this data updates.