Kennebunk Savings Bank: how it compares with its peers
Against 10 ME banks with half to twice its assets, Kennebunk Savings Bank's strongest measure in Q2 2026 is net interest margin (3.64% vs. a 3.25% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $8.0M).
| Measure | Kennebunk Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 1.08% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.25% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.64% | 67.91% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.0M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 105.95% | 102.64% | Context |
What it means for lending operations
Its efficiency ratio of 68.64% is above the 67.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Norway Savings Bank Norway, ME · $2.16B
- Kennebec Savings Bank Augusta, ME · $1.87B
- Androscoggin Savings Bank Lewiston, ME · $1.76B
- Machias Savings Bank Machias, ME · $2.67B
- Bath Savings Institution Bath, ME · $1.50B
- Saco & Biddeford Savings Institution Saco, ME · $1.47B
Questions about Kennebunk Savings Bank
How big is Kennebunk Savings Bank?
Kennebunk Savings Bank, established in 1871, is headquartered in Kennebunk, ME. It reported $2.17B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Kennebunk Savings Bank's return on assets?
0.88% annualized in Q2 2026, against a 1.08% median for 10 ME banks with half to twice its assets, ahead of 30% of them.
What is Kennebunk Savings Bank's efficiency ratio?
68.64% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 67.91%, and lower is better.
Is Kennebunk Savings Bank growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 2.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ME banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maine bank ranked.