Saco & Biddeford Savings Institution
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Data as of · sourced from FFIEC call reports. How we update
Saco & Biddeford Savings Institution is an FDIC-insured savings bank headquartered in Saco, ME, established in 1827 (FDIC certificate 17743), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.47B, up 2.2% from Q2 2025, the 13th largest of 22 banks headquartered in Maine. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.02% 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
- 17743
- Headquarters
- Saco, ME
- Established
- 1827
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 10.02%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 211272630
- Asset rank in state
- 13th of 22 in Maine
Saco & Biddeford Savings Institution spends more to run itself than most banks of its size. The Saco, Maine bank had $1.5 billion in assets at June 30, 2026, up 2.2% from a year earlier. It earns about $0.32 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $1.2 million, 123% above the same quarter a year earlier. Over the same year, loans grew 3.8% and deposits shrank 1.3%. Its margin is thin by comparison: it keeps 2.34 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Saco & Biddeford Savings Institution reported a return on assets of 0.32%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.18%. The figures come from its call report filed with the FFIEC.
Saco & Biddeford Savings Institution ranks as the 13th largest of the 22 banks based in Maine, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $1.47B, loans rose 1.3% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 65.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in ME; its Saco office books 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, Saco & Biddeford Savings Institution meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 252 Main St, Saco, ME 04072
- 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
- February 21, 1827
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 191
- Domestic deposits
- $1.00B
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $1.49B
- Average total loans
- $1.19B
- Average interest-bearing deposits
- $887.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- April 4, 1957
- FDIC Cert
- 17743
- Fed RSSD
- 339607
- Website
- www.sbsavings.bank →
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, Saco & Biddeford Savings Institution reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Saco & Biddeford Savings Institution's total assets ranged from $1.34B (Q3 2023) to $1.47B (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.47B total assets against $1.44B; $1.33B total liabilities against $1.31B.
$1.19B net loans and leases against $1.15B; $1.00B total deposits against $1.02B.
$183.6M securities against $187.9M; $29.4M cash and balances due against $37.1M.
$17.7M total interest income against $16.4M; $9.3M total interest expense against $9.2M.
$8.3M net interest income against $7.1M.
$2.2M total noninterest income against $2.5M; $9.5M total noninterest expense against $9.0M.
$30K provision for credit losses against $190K.
$1.2M net income against $527K.
0.32% return on assets against 0.15%; 2.34% net interest margin against 2.06%.
10.02% tier 1 leverage ratio against 9.98%.
Inside the full Saco & Biddeford Savings Institution 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.
Saco & Biddeford Savings Institution rankings
Its closest position to the top of a national ranking is 747 of 4,196, for total assets; its furthest is 3,474 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.01% (Q1 2025) to 0.36% (Q4 2025) and its net interest margin ran from 1.95% (Q3 2024) to 2.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.02% | 0.32% | 0.14% | 1.18% | 2.34% |
| Q1 2026 | 10.06% | 0.16% | 0.14% | 1.18% | 2.33% |
| Q4 2025 | 10.04% | 0.36% | 0.03% | 0.24% | 2.29% |
| Q3 2025 | 9.95% | 0.35% | 0.03% | 0.23% | 2.18% |
| Q2 2025 | 9.98% | 0.15% | 0.04% | 0.32% | 2.06% |
| Q1 2025 | 9.97% | -0.01% | 0.07% | 0.60% | 1.97% |
| Q4 2024 | 10.03% | 0.25% | 0.06% | 0.50% | 1.96% |
| Q3 2024 | 9.94% | 0.23% | 0.14% | 1.28% | 1.95% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Saco & Biddeford Savings Institution (main office) | Saco , ME | 04072 | $508.2M |
| Old Orchard Beach Branch | Old Orchard Beach , ME | 04064 | $195.9M |
| Scarborough Branch | Scarborough , ME | 04074 | $90.1M |
| Biddeford Branch | Biddeford , ME | 04005 | $71.6M |
| South Portland Branch | South Portland , ME | 04106 | $62.6M |
| Westbrook Branch | Westbrook , ME | 04092 | $46.1M |
| Commercial Street Portland Branch | Portland , ME | 04101 | $29.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.2% of deposits in ME, rank 16 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 276 applications, 198 loans originated, $97.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $785K approved, $196K 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 Saco & Biddeford Savings Institution
What are Saco & Biddeford Savings Institution's total assets?
As of the Q2 2026 filing, Saco & Biddeford Savings Institution reported total assets of $1.47 billion in its FFIEC call report.
Where is Saco & Biddeford Savings Institution headquartered?
It is headquartered in Saco, ME, United States.
When was Saco & Biddeford Savings Institution founded?
It was established in 1827, per the FDIC institution directory.
Is Saco & Biddeford Savings Institution FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17743). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Saco & Biddeford Savings Institution?
Saco & Biddeford Savings Institution's primary federal regulator is the FDIC.
How many branches does Saco & Biddeford Savings Institution operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Saco & Biddeford Savings Institution's Texas Ratio?
Its Texas Ratio is 1.18% 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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