# KATAHDIN TRUST CO
PATTEN, ME · FDIC certificate 12874 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.16B | |
| Deposits | $965.9M | |
| Loans and leases | $930.7M | |
| Total equity | $110.2M | |
| Loans / deposits | 95.43% (p76 of band) | 87.10% |
| Liquid assets / assets | 15.17% (p24 of band) | |
| Uninsured deposits / deposits | 9.12% (p4 of band) | 30.76% |
| Brokered deposits | 13.48% | |
| Wholesale funding | 18.96% (p87 of band) | |
| FHLB advances / assets | 5.48% | |
| Tier 1 leverage | 10.00% (p37 of band) | 10.50% |
| Unrealized securities loss / equity | -10.53% (p38 of band) | -7.75% |
| AOCI / equity | -1.18% (p14 of band) | |
| ROA (annualized) | 0.90% (p24 of band) | 1.26% |
| Net interest margin | 3.94% (p64 of band) | 3.70% |
| Efficiency ratio | 68.38% (p76 of band) | |
| Noncurrent loans | 0.48% (p48 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 199.80% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 9.17% (p10 of band) | |
| Auto loans | $1.5M (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 187 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling | loans exceed deposits, reserve under noncurrent |
| 2011-12 | 5 | loans exceed deposits, reserve under noncurrent |  |
| 2012-03 | 4 |  | loans exceed deposits |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | uninsured deposits leaving |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | uninsured deposits leaving |
| 2017-06 | 5 | loans exceed deposits |  |
| 2017-09 | 4 |  | capital falling |
| 2017-12 | 3 |  | reserve under noncurrent |
| 2018-03 | 4 | deposits shrinking |  |
| 2018-06 | 3 |  | deposits shrinking |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2019-03 | 3 | loans exceed deposits | uninsured deposits leaving |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 4 | capital falling | loans exceed deposits |
| 2019-12 | 0 |  | brokered >10%, wholesale funding >15%, uninsured deposits leaving, capital falling |
| 2020-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 1 |  | wholesale funding >15%, capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | brokered >10% |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | brokered >10% |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | uninsured deposits leaving |  |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 2 | wholesale funding >15% |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-23 [Katahdin Trust parent posts bump in Q3 earnings, deposits - mainebiz.biz](https://news.google.com/rss/articles/CBMijwFBVV95cUxPczNwVWNSbkJHWWtzcnl3bGI5RGI2SGIzSnppb2FodFY4dU1BeFZkT2pDUjAxajVQWWpDdmU2TU1Ob1o3eWVjazJUX080YVlWTWdvYkIxT3VJZVR1TXRRdzFRc1lNLW9Pa3liUUpxUnpaenBjTmJSUWFGd1FDYkhoVFM4cE82QmhTWVpHM01oaw?oc=5) · mainebiz.biz
- 2025-02-03 [Higher operating expenses weigh on 2024 net income at Katahdin Trust parent - mainebiz.biz](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTXVhdUpISG5aMWJkNGVsR0c3TTFxVkFXQ2hreXN1eEx4UTRUbExvMUVIZkhwYTFYU3B6a2wtQWM0bG1BUHBlXzhjMTNHbUk3MlBTM3ZsTXh4eDM1OGNTTVNnUm5TTDdRTk02ZWxDWV84dmpyMWh2aHI2Wi1FQ05mY3BYWjBGSmpvVjhFcmJzX1RSZ2pmZGJBczZNWlBoTHctYXo5NFFpS2U?oc=5) · mainebiz.biz
- 2024-08-28 [Presque Isle area From our Files – Week of August 28, 2024 - thecounty.me](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQUdoN05UVkcyZXUyMzNBZE9XQjljU2Y3TFc4WWdObi1YTHRvd3NhOXFzUEZIaWxaWmNieUxmM0szRGR0TnQ5NVBnS2dPRFNoV3cyOF9FbDNyUU5INVNXU1dYQTVnQVJWRnE2dmZWekZ2dlNOdWJXR3dCY3Ayc2c0TWdDRlNBX0RSald0UzZHQlZLZTRZNjFBUzFHRzFURjA?oc=5) · thecounty.me
- 2022-11-14 [Katahdin Trust’s chief HR officer promoted to senior management team - mainebiz.biz](https://news.google.com/rss/articles/CBMingFBVV95cUxNMlhxUmMxbVRMRTN6VF9BbVlta1JTOUZ4bmJaWlFrYXB5LWhVSjFET2FWT1pqX3ROOG4waU9fQmRWV0RaQjA5bDEzUGs0UVhDT2R4T2l1TnV2Y2gwTm5FOHh2cWVXMW9XUUF4LThMYm9UMzN2NklPX3F4OE82ZXVXUTJVNllfaXdfamxya0swb3otYUNHcUxPSjZYYUxOdw?oc=5) · mainebiz.biz
- 2017-06-28 [2017 Houlton Agricultural Fair Schedule - thecounty.me](https://news.google.com/rss/articles/CBMiigFBVV95cUxOOTgwRXMtU3lZelotSHQyN3B4UzhlcGFlLWtMclJZcHJISzA3YmNyTW9zRGZ0QmUtVTZGa3Z6UExQcXAxX2pQMGNydTRVQ2hhWi1xS3pzZThWbFZxbXE5a2pSTkttcF9Lc3dKM0VIRHBoNUY2VkZiS0dkXzhaSUpXeVVrdllTS0N4aFE?oc=5) · thecounty.me
- 2025-10-02 [40 Under 40: Alexis Brown is a voice for young people in rural areas - mainebiz.biz](https://news.google.com/rss/articles/CBMieEFVX3lxTFBIOVZNSWZXOVBHRmo3OHlfZWlkbG5SODVBLTF3dGNXcWFtMnNxa3M1b2dEeDA0UDFSMzZ3MkxLUkQtSnBTYWFaMEwxaXl4SkxBZUE5ZHJtYTJ0S3hQWGVwQ3FKUEVuRTdWV0haTEk1UTl2QzNKNkxCeg?oc=5) · mainebiz.biz
- 2007-12-12 [Car dealership to sell used vehicles on U.S. Route 1 - thecounty.me](https://news.google.com/rss/articles/CBMingFBVV95cUxQZlFwaHJINExhYVBoQWpsRnJNT1Q0YVlBNXBzNVVXZTVzU1hTSkR4WWNmV2wzV2FHeGtqZExxc1hxWE8zNmQ3OElhZzhRS2Eza3Nva21oQmVGbWgtU0JGYWc5UTliZGhOckVVMHJUdk9LS0FfUklDMkthWmh3Qm9JVW93M2dZbUNMNVRkZE1sMUNWTjVYRDEtWGoyZjh6QQ?oc=5) · thecounty.me
- 2025-07-28 [Newsworthy people and performances for July 28, 2025 - mainebiz.biz](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSnVjY1NGUmZlSXFNbTQ5a3pTMTUyc1JldWU5a08xZVdRWkJmNUxNSzNwenlGVWpCTVlDT2lXOVZXZUlMMDhab0o3elNLNjR2SkhTOHliYU9TRjBkRktLN3R0eERwYXBhRjg5bEZ4ZW1aUVRsZjJ3R2JiektzdEpnSHBxWDJ5R1Vx?oc=5) · mainebiz.biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12874 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "12874", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide