# KENNEBUNK SAVINGS BANK
KENNEBUNK, ME · FDIC certificate 13063 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $2.17B | |
| Deposits | $1.68B | |
| Loans and leases | $1.80B | |
| Total equity | $190.8M | |
| Loans / deposits | 105.95% (p93 of band) | 87.10% |
| Liquid assets / assets | 12.78% (p13 of band) | |
| Uninsured deposits / deposits | 19.75% (p17 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.16% (p74 of band) | |
| FHLB advances / assets | 10.84% | |
| Tier 1 leverage | 10.56% (p51 of band) | 10.50% |
| Unrealized securities loss / equity | -21.36% (p18 of band) | -7.75% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.88% (p22 of band) | 1.26% |
| Net interest margin | 3.64% (p46 of band) | 3.70% |
| Efficiency ratio | 68.64% (p77 of band) | |
| Noncurrent loans | 0.10% (p14 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 1059.96% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 91.40% (p84 of band) | |
| Auto loans | $296,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 311 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | loans exceed deposits |
| 2011-12 | 3 | loans exceed deposits, capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | loans exceed deposits |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | liquid assets <10% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | liquid assets <10% |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 2 | expense ratio p90 |  |
| 2017-03 | 0 |  | capital falling, expense ratio p90 |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense ratio p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 1 | expense ratio p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 0 |  | expense ratio p90, capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 3 |  | expense ratio p90 |
| 2023-03 | 2 | expense ratio p90 | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | expense ratio p90 |
| 2024-03 | 2 | expense ratio p90 |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, expense ratio p90 |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

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

- 2026-07-29 [Kennebunk Savings Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxPWGY1OGNHZ1pqQ2c1SElXblFyT1BuakJHNEdQQnlfemlDaTAyeXVHX2JqMXZfLVR2d3B5NjJMeUNsWGNQQzc2V3VZd1k0QU9QRzYzeTNBUGczM2RlNVotM3ljeXNQaWRjZXZEWVdyc2ZPT2JZTlJMR1d4bGY0LUd5b0pvMWIyaW8?oc=5) · SmartAsset
- 2017-09-16 [Maine bank fires executive over anti-Muslim Facebook posts - Maine Beacon](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVDFvejBGV0xzaFZEbE5GUzhteERuNDdUZnBVbUlwZDZTN2JCOVVCa1l6TkFRVmZTS2dCTWtNMUNxZTV4dmdLQWhwSERVT1BSUmIxYnhrcmxUQ0haQ3U1X00yejR4Qll4Z3dNYTE1T3RLVjRMZTBUSXduanFNaC1KRUxvX3VWMC1qZE5N?oc=5) · Maine Beacon
- 2024-12-17 [Kennebunk Savings CEO plans to continue board work in retirement - mainebiz.biz](https://news.google.com/rss/articles/CBMimgFBVV95cUxOYUpjc0JHSWF1OWcta0VPMUZCb2luYmJPWExFbTlwNDlvbzNGVUVsY1A1NEFxWi03dURnUnZJbVg2YzJ1UEhMQ2VzSVNPSlZmZjMxYzJ4Rzg5VW9qSy1fQXJIZFMzX1VzWUloMmtBVWo1WlBreV9aODFYVFJfNlNWeGJpRy1HM0tTUnRrN3BGT0ZWNG9YMTlyeXJn?oc=5) · mainebiz.biz
- 2025-10-31 [McNabb's project with 55 co-living units and new bank hits snag in Portsmouth - Seacoastonline.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQTEprV015aUo0bDg0MGNSVEl6ZkdiTkJHb3JmNDZ6LU5oNWRkM3p5SHZfZkRlYjZSZUdvS0JWbE4zTm4wNzRrVE5NVjM4aVdpLUdqeExvT2h4UldwbTNSVlhnS3RnSS1BVklMRlYwT0JibUtJLURSM3htOFdyVmhpb0tTTjlOdHJUdUlpTXdteDRRU3V3aEJCQzI0VVR3dTE5ckhYczJ1QkQ0MVdiSG5XdGJsM0x5RmV2MGExUHp0aF9OY01xaWhiZnNMdFZwZw?oc=5) · Seacoastonline.com
- 2025-12-06 [Obituary for Michelle D. (Loudin) Lino - johnsonfuneralhomeme.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1KVGFMZWpteGR6dGx5OXJiYWEwWDZUUXZsUTduMnpTMHpqbHdtTDU1Y29zTmlBU3lxNEdsQ011ODNGYjc3UFcyUnhIcmgyTUlVM3hxZ29HWlhzX2NGYUotSXpOQ1pjOV83cTRr?oc=5) · johnsonfuneralhomeme.com
- 2025-06-30 [Obituary information for Gloria Hickson - Forastiere Smith Funeral Home & Cremation](https://news.google.com/rss/articles/CBMidEFVX3lxTE0td2FnaGJNanVSV0lZYUZYSXJteWRXV2hMNVR2aERHck1LZ05TanhqTVNETW5ERXViWEtJTkFNblVSNWpPTFNiQlpsNlpMM0FiMGJiZC1tVld3TE55Y29UOTJxUVpOdldXVjg0OHRTMmI4RGxx?oc=5) · Forastiere Smith Funeral Home &amp; Cremation
- 2025-05-01 [The Eagle has landed: Massachusetts bank set to open its first Maine branch this summer - mainebiz.biz](https://news.google.com/rss/articles/CBMitwFBVV95cUxQeWNCUUxXclcwNnFpLXV0OUxnTURrM2w1SW5KbkQtU01qVUMxellsa25qRTNzTm1CZXhjZ0w4NkQtZDRlMC1tbkFBOTN4VkJ0YnV1bVBIUS1FRHNoejZZdDgzR0g2TWVXRjR3MDRmN3NzY3NKbkdTbDFTMFd1b0FYb2tJdERqRnVHMVFrdloxSV9zQWNZMVFiSlB1Z0pDN2RGVnU1VFFxdkU5RjFXTGtISGNHTkNmaXc?oc=5) · mainebiz.biz
- 2011-03-14 [Branching into N.H.: Kennebunk Savings Bank sees big potential in Portsmouth - Seacoastonline.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNYi1qcndGVndTeXdUMDBDWHJFOUo1dUNRVHd4blgxakV4RDZZVmlPMXNNbktYQVkxZTRLVGxwdEFaZE9QaHh6eDdZbmRYajlfU21ONkxJTGdPeWt2cDJQU2NiaGRJckpIRHZkZDBWRG03dW44U0pCbjNXOU1rM0JnRTMyZ0UxWU1nMG90NEpWUUZpQmhhQ3pNMHFQM2RTOXVJX2d3WExkUjQxbDlTVlFZVEJEWExSdWgzY2c?oc=5) · Seacoastonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13063 (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/7.json (key "13063", 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