Northeast Bank (Lewiston, ME)
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Data as of · sourced from FFIEC call reports. How we update
Northeast Bank is an FDIC-insured commercial bank headquartered in Lewiston, ME, established in 1872 (FDIC certificate 19690), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.23B, up 22.2% from Q2 2025, the 3rd largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 13.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19690
- Headquarters
- Lewiston, ME
- Established
- 1872
- Total assets, Q2 2026
- $5.23B
- Assets vs Q2 2025
- +22.2%
- CET1 ratio, Q2 2026
- 13.46%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 211274557
- Asset rank in state
- 3rd of 22 in Maine
Northeast Bank is one of the more profitable banks of its size. It reported $5.2 billion in assets at June 30, 2026, up 22.2% from a year earlier. It earns about $2.71 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $34 million, 36% above the same quarter a year earlier. Over the same year, loans grew 21.2% and deposits grew 9.6%. Funding is the softer spot: it pays an average of 3.75% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, Northeast Bank reported a CET1 capital ratio of 13.46%, a return on assets of 2.71%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 5.19%. The figures come from its call report filed with the FFIEC.
Northeast Bank ranks as the 3rd largest of the 22 banks based in Maine, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $5.23B, loans rose 0.7% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 51.9% of total loans, ahead of loans to nondepository financial institutions at 19.4%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in ME; its Portland 3 offices book 76% of its branch deposits. Judged on its Q2 2026 call report, Northeast Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 27 Pearl St, Lewiston, ME 04101
- County
- Cumberland
- Metro Area
- Portland-South Portland, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 5, 1872
- Former names
- Northeast Bank, F.S.B. (1996-2004); Bethel Savings Bank FSB (1984-1996); Bethel Savings Bank (1974-1984)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 230
- Domestic deposits
- $3.73B
- Allowance for credit losses
- $58.4M
- Net charge-offs (YTD)
- $5.2M
- Average total assets
- $5.08B
- Average total loans
- $4.56B
- Average interest-bearing deposits
- $3.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 16, 1967
- FDIC Cert
- 19690
- Fed RSSD
- 468806
- Website
- www.northeastbank.com →
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
From Q3 2023 to Q2 2026, Northeast Bank's total assets ranged from $2.88B (Q3 2023) to $5.23B (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
$5.23B total assets against $4.28B; $4.62B total liabilities against $3.78B.
$4.53B net loans and leases against $3.74B; $3.73B total deposits against $3.41B.
$95.6M securities against $20.8M; $434.4M cash and balances due against $413.6M.
$99.8M total interest income against $89.7M; $39.5M total interest expense against $35.8M.
$60.3M net interest income against $53.9M.
$5.0M total noninterest income against $8.8M; $23.4M total noninterest expense against $21.7M.
-$648K provision for credit losses against $3.3M.
$34.3M net income against $25.2M.
2.71% return on assets against 2.38%; 4.79% net interest margin against 5.13%.
13.46% CET1 capital ratio against 13.45%; 11.90% tier 1 leverage ratio against 11.64%.
Inside the full Northeast 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).
Northeast Bank rankings
Its closest position to the top of a national ranking is 101 of 3,606, for efficiency ratio; its furthest is 966 of 980, for uninsured deposits.
Metric pages for Northeast Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.83% (Q1 2025) to 2.71% (Q2 2026) and its net interest margin ran from 4.53% (Q4 2025) to 5.13% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.46% | 2.71% | 0.55% | 5.19% | 4.79% |
| Q1 2026 | 12.95% | 2.40% | 0.66% | 6.14% | 5.08% |
| Q4 2025 | 12.47% | 1.89% | 0.80% | 5.91% | 4.53% |
| Q3 2025 | 13.86% | 2.15% | 0.90% | 5.93% | 4.63% |
| Q2 2025 | 13.45% | 2.38% | 0.92% | 6.14% | 5.13% |
| Q1 2025 | 12.73% | 1.83% | 0.85% | 6.06% | 4.56% |
| Q4 2024 | 12.66% | 2.26% | 0.83% | 5.87% | 4.92% |
| Q3 2024 | 11.45% | 2.10% | 1.06% | 7.86% | 4.95% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 | $2.82B |
| Augusta Branch | Augusta , ME | 04330 | $210.6M |
| 186 Main Street Branch | Brunswick , ME | 04011 | $195.0M |
| Oxford Hill Branch | South Paris , ME | 04281 | $166.5M |
| Auburn Branch | Auburn , ME | 04210 | $150.1M |
| Bethel Branch | Bethel , ME | 04217 | $99.6M |
| Poland Branch | Poland , ME | 04274 | $68.8M |
| Ablebank.Com Branch | Portland , ME | 04101 | $19.8M |
| Northeast 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 |
|---|---|---|---|
| October 25, 1997 | Structure Change | Acquired Cushnoc Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 24, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1996 | Structure Change | Acquired Brunswick Federal Savings Association 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.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 15, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 8.1% of deposits in ME, rank 4 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2,913 loans, $474.7M approved, $163K average. 0.17% 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
- Mortgage lending (HMDA), 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 Northeast Bank
What are Northeast Bank's total assets?
As of the Q2 2026 filing, Northeast Bank reported total assets of $5.23 billion in its FFIEC call report.
Where is Northeast Bank headquartered?
It is headquartered in Lewiston, ME, United States.
When was Northeast Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Northeast Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19690). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northeast Bank?
Northeast Bank's primary federal regulator is the FDIC.
What is Northeast Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Northeast Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northeast Bank's Texas Ratio?
Its Texas Ratio is 5.19% 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.
What was Northeast Bank previously called?
The charter now named Northeast Bank has also operated as Northeast Bank, F.S.B. (1996-2004), Bethel Savings Bank FSB (1984-1996), Bethel Savings Bank (1974-1984), per FDIC structure-change records.
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