Partners Bank of New England
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Data as of · sourced from FFIEC call reports. How we update
Partners Bank of New England is an FDIC-insured savings bank headquartered in Sanford, ME, established in 1933 (FDIC certificate 17115), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.09B, up 0.8% from Q2 2025, the 15th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 14.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17115
- Headquarters
- Sanford, ME
- Established
- 1933
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 14.68%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 211274599
- Latest call report
- Q2 2026, FFIEC 051 · Partners Bank of New England call report
- Holding company
- SIS BANCORP, INC
- Asset rank in state
- 15th of 22 in Maine
Partners Bank of New England, based in Sanford, Maine, reported $1.1 billion in assets at June 30, 2026. It holds 11% of its deposits (11%) above the FDIC insurance limit, about a third the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $4.3 million on paper in the quarter, out of $6.5 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.04% of loans from 0.29%.
As of June 30, 2026, Partners Bank of New England reported a CET1 capital ratio of 14.68%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
Partners Bank of New England ranks as the 15th largest of the 22 banks based in Maine, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $1.09B, loans rose 1.9% and deposits rose 4.7%. 1-4 family residential loans made up 56.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.3%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities across 2 states; its Sanford 2 offices book 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, Partners Bank of New England meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 900 Main St, Sanford, ME 04073
- 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
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1933
- Former names
- Partners Bank (2019-2020)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $847.0M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $1.10B
- Average total loans
- $886.1M
- Average interest-bearing deposits
- $739.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 27, 1952
- FDIC Cert
- 17115
- Fed RSSD
- 111205
- Website
- www.partners.bank →
- Parent Holding Company
- SIS BANCORP, INC (RSSD 3815090)
- Ultimate Parent
- SIS BANCORP, MHC (RSSD 3815054)
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
Partners Bank of New England's total assets moved between a low of $1.04B (Q4 2024) and a high of $1.09B (Q4 2023) 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
$1.09B total assets against $1.08B; $974.6M total liabilities against $981.6M.
$885.5M net loans and leases against $874.6M; $847.0M total deposits against $819.1M.
$127.3M securities against $116.6M; $20.5M cash and balances due against $31.5M.
$13.9M total interest income against $13.2M; $5.0M total interest expense against $5.6M.
$8.9M net interest income against $7.6M.
$869K total noninterest income against $1.1M; $7.3M total noninterest expense against $6.7M.
$217K provision for credit losses against $133K.
$5.1M net income against $2.3M.
1.85% return on assets against 0.87%; 3.38% net interest margin against 2.94%.
14.68% CET1 capital ratio against 13.72%; 10.99% tier 1 leverage ratio against 9.90%.
Inside the full Partners Bank of New England 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Partners Bank of New England rankings
Its closest position to the top of a national ranking is 956 of 4,196, for total assets; its furthest is 927 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.22% (Q3 2024) to 1.85% (Q2 2026) and its net interest margin ran from 2.55% (Q3 2024) to 3.38% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.68% | 1.85% | 0.04% | 0.30% | 3.38% |
| Q1 2026 | 14.66% | 0.93% | 0.09% | 0.67% | 3.28% |
| Q4 2025 | 14.54% | 1.00% | 0.20% | 1.53% | 3.26% |
| Q3 2025 | 14.17% | 1.04% | 0.17% | 1.35% | 3.15% |
| Q2 2025 | 13.72% | 0.87% | 0.29% | 2.44% | 2.94% |
| Q1 2025 | 13.68% | 0.53% | 0.29% | 2.47% | 2.83% |
| Q4 2024 | 13.74% | 0.22% | 0.29% | 2.56% | 2.75% |
| Q3 2024 | 13.02% | 0.22% | 0.27% | 2.37% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Partners Bank of New England (main office) | Sanford , ME | 04073 | $236.0M |
| Springvale Branch | Springvale , ME | 04083 | $99.0M |
| Buxton Branch | Buxton , ME | 04093 | $85.6M |
| Sanford Branch | Sanford , ME | 04073 | $80.9M |
| Wells Branch | Wells , ME | 04090 | $77.5M |
| Limerick Branch | Limerick , ME | 04048 | $69.4M |
| York Branch | York , ME | 03909 | $62.9M |
| Rye Branch | Rye , NH | 03870 | $41.7M |
| Waterboro Branch | East Waterboro , ME | 04030 | $35.4M |
| Carriage Towne Plaza Branch Office | Kingston , NH | 03848 | $33.4M |
| Portsmouth Nh Branch | Portsmouth , NH | 03801 | $25.1M |
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 30, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in ME, rank 19 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Partners Bank of New England
What are Partners Bank of New England's total assets?
As of the Q2 2026 filing, Partners Bank of New England reported total assets of $1.09 billion in its FFIEC call report.
Where is Partners Bank of New England headquartered?
It is headquartered in Sanford, ME, United States.
When was Partners Bank of New England founded?
It was established in 1933, per the FDIC institution directory.
Is Partners Bank of New England FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Partners Bank of New England?
Partners Bank of New England's primary federal regulator is the FDIC.
What is Partners Bank of New England's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Partners Bank of New England operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Partners Bank of New England's Texas Ratio?
Its Texas Ratio is 0.30% 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 Partners Bank of New England previously called?
The charter now named Partners Bank of New England has also operated as Partners Bank (2019-2020), per FDIC structure-change records.
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