Maine Community Bank: how it compares with its peers
Against 9 ME banks with half to twice its assets, Maine Community Bank's strongest measure in Q2 2026 is efficiency ratio (62.61% vs. a 66.99% peer median). Its weakest relative measure is return on assets (1.17% vs. 1.22%).
| Measure | Maine Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.22% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 3.64% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.61% | 66.99% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $9.0M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.87% | 102.22% | Context |
What it means for lending operations
Its efficiency ratio of 62.61% is better than the 66.99% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank Damariscotta, ME · $3.18B
- Machias Savings Bank Machias, ME · $2.67B
- Kennebunk Savings Bank Kennebunk, ME · $2.17B
- Norway Savings Bank Norway, ME · $2.16B
- Kennebec Savings Bank Augusta, ME · $1.87B
- Androscoggin Savings Bank Lewiston, ME · $1.76B
Questions about Maine Community Bank
How big is Maine Community Bank?
Maine Community Bank, established in 1867, is headquartered in Portland, ME. It reported $2.98B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Maine Community Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.22% median for 9 ME banks with half to twice its assets, ahead of 44% of them.
What is Maine Community Bank's efficiency ratio?
62.61% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 66.99%, and lower is better.
Is Maine Community Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 2.0%.
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.