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Bangor Savings Bank
Bangor, ME·FDIC Cert #18408·Charter: STATE·Est. 18520214.0·HC: BANGOR BCORP MHC
Total Assets
$7.4B
Q4 2025
Return on Assets
0.39%
+0.18%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
72.98%
Peer avg: 57.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.39%+0.18
ROE
6.02%+2.64
Efficiency
72.98%-7.61
Equity/Assets
0.00%+0.00
NPL Ratio
0.37%+0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.21%+3.05
Charge-offs
0.42%-0.14
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.0 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.2 | 0.4 |
| ROE | -0.3 | 0.9 | 2.7 | 2.9 | 2.0 | 1.7 | 3.4 | 6.0 |
| Efficiency | 98.4 | 96.5 | 94.3 | 93.2 | 92.3 | 90.7 | 80.6 | 73.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.7 | 0.2 | 0.4 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.6 | 0.4 |
| Loan/Deposit | 91.7 | 90.7 | 88.8 | 82.3 | 80.0 | 85.1 | 86.2 | 89.2 |
Balance Sheet
Total Assets$7.4B
Total Deposits$5.7B
Total Loans$5.1B
Total Equity$527.5M
Profitability
ROA0.39%
ROE6.02%
Efficiency Ratio72.98%
Net Income$28.5M
Risk & Asset Quality
NPL Ratio0.37%
Charge-off Rate0.42%
Loan/Deposit89.21%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans