Partners Bank of New England: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Sanford, Partners Bank of New England serves the Maine market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $1.1B in assets, including $894M in loans. Returns are notably above industry norms: 1.85% ROA, 18.51% ROE, and 3.38% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 14.68% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.04%. Partners Bank of New England operates a 11-branch network.
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%, a Texas ratio of 0.33%, per financial data filed with the FFIEC.
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)
- Offices
- 11 domestic
- Employees (FTE)
- 142
- Domestic deposits
- $847.0M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $5K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Partners Bank of New England terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Partners Bank of New England, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.68% | 1.85% | 0.04% | 0.33% | 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% | 0.18% | 1.40% | 3.15% |
| Q2 2025 | 13.72% | 0.87% | 0.29% | 2.51% | 2.94% |
| Q1 2025 | 13.68% | 0.53% | 0.30% | 2.55% | 2.83% |
| Q4 2024 | 13.74% | 0.22% | 0.30% | 2.64% | 2.75% |
| Q3 2024 | 13.02% | 0.22% | 0.28% | 2.45% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| 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
What the public regulatory sources show for Partners Bank of New England, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in ME, rank 19 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Partners Bank of New England headquartered?
Partners Bank of New England is headquartered in Sanford, ME, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Partners Bank of New England founded?
Partners Bank of New England was established in 1933, per the FDIC institution directory.
Is Partners Bank of New England FDIC-insured?
Yes. Partners Bank of New England is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Partners Bank of New England's CET1 capital ratio?
Partners Bank of New England 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?
Partners Bank of New England 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?
Partners Bank of New England's Texas Ratio is 0.33% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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