Norway Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Norway Savings Bank is an FDIC-insured savings bank headquartered in Norway, ME, established in 1866 (FDIC certificate 17658), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.16B, up 4.7% from Q2 2025, the 9th largest of 22 banks headquartered in Maine. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.07% 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
- 17658
- Headquarters
- Norway, ME
- Established
- 1866
- Total assets, Q2 2026
- $2.16B
- Assets vs Q2 2025
- +4.7%
- Tier 1 leverage ratio, Q2 2026
- 14.07%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 211274515
- Latest call report
- Q2 2026, FFIEC 051 · Norway Savings Bank call report
- Holding company
- NORWAY BANCORP, INC
- Asset rank in state
- 9th of 22 in Maine
Norway Savings Bank carries far more capital than most banks of its size. Based in Norway, Maine, it had $2.2 billion in assets at June 30, 2026, up 4.7% from a year earlier. It funds 14.07% of its assets with Tier 1 capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also lost 1.1% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Net income for the quarter rose 27% from a year earlier, to $8.9 million. Over the same year, loans grew 10.9% and deposits shrank 1.1%.
As of June 30, 2026, Norway Savings Bank reported a return on assets of 1.64%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.63%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Norway Savings Bank is the 9th largest of the 22 banks headquartered in Maine. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $2.16B, loans rose 4.7% and deposits fell 2.5%. 1-4 family residential loans made up 41.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.9%. The FDIC Summary of Deposits lists 25 offices for it, in 22 cities across 2 states; its Norway office books 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, Norway Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 261 Main St, Norway, ME 04268
- County
- Oxford
- 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
- January 1, 1866
- Domestic offices
- 25 FDIC institution directory, current count
- Employees (FTE)
- 335
- Domestic deposits
- $1.57B
- Allowance for credit losses
- $11.5M
- Net charge-offs (YTD)
- $426K
- Average total assets
- $2.17B
- Average total loans
- $1.59B
- Average interest-bearing deposits
- $1.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 27, 1956
- FDIC Cert
- 17658
- Fed RSSD
- 289702
- Website
- www.norwaysavings.bank →
- Parent Holding Company
- NORWAY BANCORP, INC (RSSD 2835484)
- Ultimate Parent
- NORWAY BANCORP, MHC (RSSD 2835475)
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, Norway 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 Q2 2026, Norway Savings Bank's total assets ran between $1.85B (Q3 2023) and $2.16B (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
$2.16B total assets against $2.06B; $1.89B total liabilities against $1.82B.
$1.62B net loans and leases against $1.46B; $1.57B total deposits against $1.59B.
$392.8M securities against $457.7M; $31.0M cash and balances due against $36.7M.
$27.2M total interest income against $24.3M; $8.0M total interest expense against $8.5M.
$19.2M net interest income against $15.8M.
$2.9M total noninterest income against $2.7M; $14.8M total noninterest expense against $13.3M.
$504K provision for credit losses against $72K.
$8.9M net income against $7.0M.
1.64% return on assets against 1.33%; 3.72% net interest margin against 3.18%.
14.07% tier 1 leverage ratio against 13.34%.
Inside the full Norway 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.
Norway Savings Bank rankings
Its closest position to the top of a national ranking is 567 of 4,196, for total assets; its furthest is 809 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q1 2025) to 1.64% (Q2 2026) and its net interest margin ran from 3.03% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.07% | 1.64% | 0.29% | 1.63% | 3.72% |
| Q1 2026 | 13.89% | 0.85% | 0.24% | 1.38% | 3.46% |
| Q4 2025 | 13.75% | 0.75% | 0.67% | 3.91% | 3.43% |
| Q3 2025 | 13.52% | 1.46% | 0.53% | 3.11% | 3.32% |
| Q2 2025 | 13.34% | 1.33% | 0.69% | 4.19% | 3.18% |
| Q1 2025 | 13.19% | 0.33% | 0.73% | 4.55% | 3.04% |
| Q4 2024 | 13.27% | 0.68% | 0.68% | 4.32% | 3.08% |
| Q3 2024 | 13.36% | 1.28% | 0.67% | 4.03% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 25 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 |
|---|---|---|---|
| Norway Savings Bank (main office) | Norway , ME | 04268 | $296.5M |
| Windham Branch | Windham , ME | 04062 | $124.6M |
| Bridgton Branch | Bridgton , ME | 04009 | $119.1M |
| Fryeburg Branch | Fryeburg , ME | 04037 | $98.7M |
| Falmouth Branch | Falmouth , ME | 04105 | $73.4M |
| Bethel Branch | Bethel , ME | 04217 | $70.6M |
| Portland Congress St Branch | Portland , ME | 04102 | $69.8M |
| Naples Branch | Naples , ME | 04055 | $65.0M |
| Yarmouth Branch | Yarmouth , ME | 04096 | $59.9M |
| South Portland Branch | South Portland , ME | 04106 | $53.3M |
| Kennebunk Branch | Kennebunk , ME | 04043 | $52.7M |
| Brunswick Main Branch | Brunswick , ME | 04011 | $52.6M |
| Scarborough Branch | Scarborough , ME | 04074 | $47.5M |
| Saco Branch | Saco , ME | 04072 | $46.7M |
| Gorham Branch | Gorham , ME | 04038 | $45.9M |
| South Paris Branch | South Paris , ME | 04281 | $43.1M |
| Portland Exchange St Branch | Portland , ME | 04101 | $40.7M |
| Freeport Branch | Freeport , ME | 04032 | $40.3M |
| Auburn Branch | Auburn , ME | 04210 | $38.7M |
| Topsham Fair Branch | Topsham , ME | 04086 | $34.6M |
| Cook's Corner Branch | Brunswick , ME | 04011 | $28.5M |
| Standish Branch | Standish , ME | 04084 | $28.1M |
| Gray Branch | Gray , ME | 04039 | $18.8M |
| Forest Avenue Portland Branch | Portland , ME | 04101 | $13.9M |
| North Conway Branch | North Conway , NH | 03860 | $11.0M |
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 |
|---|---|---|---|
| September 1, 2001 | Structure Change | Acquired Coastal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.4% of deposits in ME, rank 11 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,087 applications, 640 loans originated, $197.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $9.5M approved, $680K 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 Norway Savings Bank
What are Norway Savings Bank's total assets?
As of the Q2 2026 filing, Norway Savings Bank reported total assets of $2.16 billion in its FFIEC call report.
Where is Norway Savings Bank headquartered?
It is headquartered in Norway, ME, United States.
When was Norway Savings Bank founded?
It was established in 1866, per the FDIC institution directory.
Is Norway Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Norway Savings Bank?
Norway Savings Bank's primary federal regulator is the FDIC.
How many branches does Norway Savings Bank operate?
It operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Norway Savings Bank's Texas Ratio?
Its Texas Ratio is 1.63% 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.
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