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Profitability · Maine

Most Efficient US Banks (Lowest Efficiency Ratio) in Maine

Ranked among banks headquartered in Maine. Re-ranked 1-22 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): NORTHEAST BANK — 35.50% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 22 banks with reported data Showing: Top 22 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Northeast Bank Lewiston , ME 35.50% $5.03B
2 First National Bank Damariscotta , ME 51.36% $3.17B
3 Camden National Bank Camden , ME 52.11% $6.95B
4 Bar Harbor Bank and Trust Company Bar Harbor , ME 55.94% $4.67B
5 Maine Community Bank Portland , ME 63.81% $2.89B
6 Bath Savings Institution Bath , ME 66.55% $1.50B
7 Machias Savings Bank Machias , ME 66.97% $2.65B
8 Aroostook County Federal Savings & Loan Association Caribou , ME 67.15% $204.3M
9 Norway Savings Bank Norway , ME 67.28% $2.08B
10 Katahdin Trust Company Patten , ME 67.64% $1.11B
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11 Franklin Savings Bank Farmington , ME 68.81% $764.6M
12 Kennebec Savings Bank Augusta , ME 68.92% $1.83B
13 Kennebunk Savings Bank Kennebunk , ME 70.13% $2.10B
14 Skowhegan Savings Bank Skowhegan , ME 71.90% $843.5M
15 Partners Bank of New England Sanford , ME 74.96% $1.07B
16 Androscoggin Savings Bank Lewiston , ME 75.36% $1.78B
17 First Federal Savings and Loan Association of Bath Bath , ME 82.87% $186.8M
18 Bangor Savings Bank Bangor , ME 82.93% $7.42B
19 Bar Harbor Savings and Loan Association Bar Harbor , ME 86.42% $101.6M
20 Gorham Savings Bank Gorham , ME 88.67% $1.61B
21 Saco & Biddeford Savings Institution Saco , ME 89.46% $1.46B
22 Auburn Savings Bank, FSB Auburn , ME 89.53% $101.8M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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