Skowhegan Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 21.18 percentage points in Q2 2026, from 131.03% to 109.85%. It was the largest change from Q1 2026 among the key lines here. Among 22 Maine banks, Skowhegan Savings Bank sits 2nd from the top on return on assets, 2.17% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Skowhegan Savings Bank reported 2.17% on return on assets in Q2 2026, 0.92 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.46% |
| Tier 1 risk-based capital ratio | 22.46% |
| Total risk-based capital ratio | 23.56% |
| Tier 1 leverage ratio | 15.81% |
| Equity capital to assets | 14.50% |
| Tangible equity to tangible assets | 14.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 4.37% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 109.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.17% |
| Return on equity | 15.56% |
| Net interest margin | 3.86% |
| Efficiency ratio | 75.43% |
| Yield on earning assets | 4.95% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.21% |
| Core deposits to total deposits | 92.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.66% |
| Securities to assets | 21.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.26% | 20.26% | 21.37% | 13.60% | 0.42% |
| Q4 2023 | 19.77% | 19.77% | 20.84% | 13.29% | 0.98% |
| Q1 2024 | 19.88% | 19.88% | 20.96% | 12.93% | 0.92% |
| Q2 2024 | 20.20% | 20.20% | 21.26% | 13.09% | 0.75% |
| Q3 2024 | 20.27% | 20.27% | 21.31% | 13.37% | 0.93% |
| Q4 2024 | 20.36% | 20.36% | 21.44% | 13.78% | 0.73% |
| Q1 2025 | 20.36% | 20.36% | 21.45% | 14.20% | 0.73% |
| Q2 2025 | 20.82% | 20.82% | 21.87% | 14.47% | 1.16% |
| Q3 2025 | 21.58% | 21.58% | 22.65% | 14.83% | 1.31% |
| Q4 2025 | 21.91% | 21.91% | 22.97% | 15.08% | 0.91% |
| Q1 2026 | 22.08% | 22.08% | 23.17% | 15.38% | 0.90% |
| Q2 2026 | 22.46% | 22.46% | 23.56% | 15.81% | 2.17% |
Skowhegan Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Skowhegan Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Skowhegan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19532) · FFIEC NIC profile (RSSD 401906)