Bank call report · Saco, ME
Saco & Biddeford Savings Institution Call Report
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Saco & Biddeford Savings Institution filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 283 reported line items, schedule by schedule (424 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 339607 |
| FDIC certificate number | 17743 |
| Total assets | $1.47B |
Official Q2 2026 call report PDF (FFIEC) →
Saco & Biddeford Savings Institution call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Saco & Biddeford Savings Institution balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.47B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.47B |
| Total Liabilities and Minority Interest | RCON2948 | $1.33B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.20B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.19B |
| Total Deposits | RCON2200 | $1.00B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $823.0M |
| Other Borrowed Money | RCON3190 | $317.5M |
| Deposits: Noninterest-bearing | RCON6631 | $181.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $177.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $143.6M |
| Total Equity Capital | RCON3210 | $137.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $137.4M |
| Other Assets | RCON2160 | $35.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $23.9M |
| Interest-bearing Balances | RCON0071 | $15.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$15.2M |
| Other Liabilities, Total | RCON2930 | $12.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.9M |
| Surplus | RCON3839 | $9.0M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $6.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.0M |
| Goodwill | RCON3163 | $4.6M |
| Intangible Assets | RCON2143 | $4.6M |
| Federal Funds Sold | RCONB987 | $3.8M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $1.6M |
Schedule RI: Income Statement (43 items)
About Schedule RI · Saco & Biddeford Savings Institution income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $34.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $31.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $20.2M |
| Total Noninterest Expense | RIAD4093 | $19.0M |
| Total Interest Expense | RIAD4073 | $18.4M |
| Net Interest Income | RIAD4074 | $16.6M |
| Salaries and Employee Benefits | RIAD4135 | $12.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $9.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $8.4M |
| Other Interest Expense | RIADGW44 | $6.0M |
| Other Noninterest Expense | RIAD4092 | $4.8M |
| Total Noninterest Income | RIAD4079 | $4.5M |
| Noninterest income: Income from insurance activities | RIADHT74 | $2.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.8M |
| Net Income (Loss) | RIAD4340 | $1.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.7M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.1M |
| Other Noninterest Income | RIADB497 | $954K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $827K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $695K |
| Applicable Income Taxes | RIAD4302 | $470K |
| Other Interest Income | RIAD4518 | $440K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $370K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $343K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $329K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $328K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $205K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $182K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $130K |
| Provision for Loan and Lease Losses | RIAD4230 | $110K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $68K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $51K |
| Interest on Other Securities | RIAD4060 | $47K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $40K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $26K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 191 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Saco & Biddeford Savings Institution securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $7.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $7.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $196.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $136.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $118.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $94.6M |
| Pledged Securities | RCON0416 | $57.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $49.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $48.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $45.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $11.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $11.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $7.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $2.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $835K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $492K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $147K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $104K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $93K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Saco & Biddeford Savings Institution loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.20B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $698.3M |
| Pledged Loans and Leases | RCONG378 | $590.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $412.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $183.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $183.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $140.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $112.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $87.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $78.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $76.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $74.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $72.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $70.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $62.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $59.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $55.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $51.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $44.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $29.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $25.1M |
| Commercial and Industrial Loans | RCON1766 | $23.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $17.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $13.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $11.9M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $8.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.2M |
| Other Loans | RCONJ464 | $436K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $46.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $8.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $356K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 115 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 75 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 25 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 24 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 23 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 10 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Saco & Biddeford Savings Institution deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $823.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $774.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $293.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $278.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $262.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $195.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $181.1M |
| Total Transaction Accounts | RCON2215 | $181.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $178.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $174.6M |
| Total Brokered Deposits | RCON2365 | $174.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $152.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $141.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $115.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $98.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $93.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $73.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $42.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $37.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $35.8M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $35.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $35.8M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $33.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $22.9M |
| Total reciprocal deposits | RCONJH83 | $21.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $19.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $16.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $13.1M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $10.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $10.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $3.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.1M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $15.6M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $6.9M |
| Accrued Interest Receivable | RCONB556 | $5.6M |
| Other Assets | RCON2168 | $3.9M |
| Net Deferred Tax Assets | RCON2148 | $3.7M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $1.9M |
| Prepaid Expenses | RCON2166 | $1.0M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $8.6M |
| Operating lease liabilities | RCONLB56 | $5.9M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.4M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $473K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Saco & Biddeford Savings Institution quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.49B |
| Quarterly Average of Total Loans | RCON3360 | $1.19B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $807.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $443.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $343.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $317.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $287.1M |
| Mortgage-backed Securities | RCONB559 | $144.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $91.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $65.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $49.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $22.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $19.2M |
| All Other Securities | RCONB560 | $9.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $9.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.3M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $4K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · Saco & Biddeford Savings Institution derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $183.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $83.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $42.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $24.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $11.2M |
| Performance Standby Letters of Credit | RCON3821 | $8.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $67K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Saco & Biddeford Savings Institution memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $155.4M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $142.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $142.1M |
| FHLB Advances: Structured Advances | RCONF059 | $23.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $20.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $5.5M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $4.4M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · Saco & Biddeford Savings Institution past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.6M |
| Additions to Nonaccrual Assets | RCONC410 | $1.6M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $980K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $863K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $679K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $316K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $300K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $229K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $41K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $18K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $12K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Saco & Biddeford Savings Institution other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.49B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.01B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $692.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $272.3M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $236.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $148.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $38.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 192,549 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,682 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 470 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 14 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Saco & Biddeford Savings Institution regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.49B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.49B |
| Total Assets | RCOA2170 | $1.47B |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $177.4M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $167.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $148.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $148.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $148.9M |
| Retained Earnings | RCOAKW00 | $143.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $137.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$15.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$15.2M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $10.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $9.0M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $3.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $3.7M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$2.7M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | $610K |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$386K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1206 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1002 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $137.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $134.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $134.0M |
| Other Comprehensive Income | RIADB511 | $1.6M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Saco & Biddeford Savings Institution charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $3K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Saco & Biddeford Savings Institution changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $5.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.9M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $20K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $3K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.20B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $782.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $313.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $68.7M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $23.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $9.3M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $5.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $2.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $1.5M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $384K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $275K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $114K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $64.3M |
Saco & Biddeford Savings Institution call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Saco & Biddeford Savings Institution call report?
The Saco & Biddeford Savings Institution call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Saco & Biddeford Savings Institution file?
Saco & Biddeford Savings Institution files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Saco & Biddeford Savings Institution call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Saco & Biddeford Savings Institution has Federal Reserve RSSD ID 339607 and FDIC certificate number 17743. Either one finds its filings on the FFIEC Central Data Repository.
How often does Saco & Biddeford Savings Institution file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Saco & Biddeford Savings Institution financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 17743) · FFIEC NIC profile (RSSD 339607)