Androscoggin Savings Bank: how it compares with its peers
Against 10 ME banks with half to twice its assets, Androscoggin Savings Bank's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $7.8M peer median). Its weakest relative measure is return on assets (0.67% vs. 1.08%).
| Measure | Androscoggin Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.08% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.06% | 3.52% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.92% | 67.91% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.8M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.22% | 103.81% | Context |
What it means for lending operations
Its efficiency ratio of 73.92% 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
- Kennebec Savings Bank Augusta, ME · $1.87B
- Bath Savings Institution Bath, ME · $1.50B
- Saco & Biddeford Savings Institution Saco, ME · $1.47B
- Norway Savings Bank Norway, ME · $2.16B
- Kennebunk Savings Bank Kennebunk, ME · $2.17B
- Katahdin Trust Company Patten, ME · $1.16B
Questions about Androscoggin Savings Bank
How big is Androscoggin Savings Bank?
Androscoggin Savings Bank, established in 1870, is headquartered in Lewiston, ME. It reported $1.76B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Androscoggin Savings Bank's return on assets?
0.67% annualized in Q2 2026, against a 1.08% median for 10 ME banks with half to twice its assets, ahead of 10% of them.
What is Androscoggin Savings Bank's efficiency ratio?
73.92% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 67.91%, and lower is better.
Is Androscoggin Savings Bank growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits grew 4.2%.
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.