# PARTNERS BANK OF NEW ENGLAND
SANFORD, ME · FDIC certificate 17115 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $1.09B | |
| Deposits | $847.0M | |
| Loans and leases | $894.4M | |
| Total equity | $112.5M | |
| Loans / deposits | 104.55% (p92 of band) | 87.10% |
| Liquid assets / assets | 13.60% (p16 of band) | |
| Uninsured deposits / deposits | 11.28% (p6 of band) | 30.76% |
| Brokered deposits | 4.94% | |
| Wholesale funding | 16.18% (p83 of band) | |
| FHLB advances / assets | 11.24% | |
| Tier 1 leverage | 10.99% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -32.19% (p8 of band) | -7.75% |
| AOCI / equity | -0.23% (p55 of band) | |
| ROA (annualized) | 1.41% (p64 of band) | 1.26% |
| Net interest margin | 3.42% (p32 of band) | 3.70% |
| Efficiency ratio | 75.22% (p88 of band) | |
| Noncurrent loans | 0.04% (p8 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 2481.28% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 44.62% (p47 of band) | |
| Auto loans | $268,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 142 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 | capital falling | reserve under noncurrent |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | wholesale funding >15% |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | liquid assets <10% |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 0 |  | loans exceed deposits |
| 2016-12 | 2 | loans exceed deposits, capital falling |  |
| 2017-03 | 3 | wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | liquid assets <10% |  |
| 2018-03 | 3 | brokered >10% | uninsured deposits leaving, liquid assets <10% |
| 2018-06 | 2 | capital falling | wholesale funding >15%, brokered >10% |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 2 | liquid assets <10% |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | liquid assets <10% |
| 2020-03 | 3 | wholesale funding >15%, losing money |  |
| 2020-06 | 3 | capital falling | wholesale funding >15% |
| 2020-09 | 4 | liquid assets <10% |  |
| 2020-12 | 0 |  | loans exceed deposits, losing money, capital falling, liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | securities losses >30% of equity, charge-offs p90 | capital falling |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 3 | brokered >10%, wholesale funding >15% | capital falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | loans exceed deposits, capital falling |  |
| 2023-09 | 4 |  | brokered >10% |
| 2023-12 | 4 | deposits shrinking | capital falling |
| 2024-03 | 5 | uninsured deposits leaving |  |
| 2024-06 | 4 | expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 5 | uninsured deposits leaving |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | expense ratio p90, uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2025-08-11 [Here are the 2025 ‘Best Places to Work in Maine’ - mainebiz.biz](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVHhCVm5aTnQ0S0g0QW45YVFFeWJsd0FGaVJkSGhaQmNsSFBrcFMwVFR3VGx6bTNjMTh0TnczYjdMWnF5NE8xa2FfdG0zWUpOcURqNGZmeWVsdWNkRUR4WWlHSnM4T1BGMnhMSmxnT1U4R3N5VXlTZHkwNWp3ZjkycUNB?oc=5) · mainebiz.biz
- 2023-10-13 [What are the best companies to work for in Maine? - WABI](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XTFA0dkVydWpSSVdSbmtVcDhRZklsN2dVeHhRZldUMU9ZNGhwOHBYaTRXc0F4dkZTeEQzY2IzdFhySW1OMlJHMl93UnhQWXY4SmpWWm1VY1BfakZ4OU9nZGFrQjlFM3UtbTBwaHc0UTN4MmY10gGIAUFVX3lxTE13bk5XUU9sNkU1MUJINE54OWcwYTIwM2pKSUNfQkMwbjZlaU0wa2lTQUNYUVd0V0l4V0tITi1hMW9JMmY0OWxValc0OVBKVUd5eGt5N0d2M1F3ck5WbXhMeHIyWGlBSzQxSktxSFIyMlNVTExBZTByeGpwMXBtQnBVd21tNjBRejk?oc=5) · WABI
- 2024-10-23 ['Best Places to Work in Maine': Companies on 2024 list ranked - WMTW](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNWs4WDhRT0pESWh0MDR3NFlBZkxkX1JfMmNpR3RHUkcwdWJpVmZUbE1mNENaRTlGOW4zOGpYaVJJVGV2TFhOSjZ5bDljQUNiUHJvNVR0dEhoRDdnWEVlY244NU9rRXBLbHZ6TDluUUxOSElQcjU3M3NjTTBCTGxrdWdFX2NMQmhWUlhF?oc=5) · WMTW
- 2023-10-12 [Here are the 2023 ‘Best Places to Work in Maine,’ ranked - mainebiz.biz](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTndwcnZhSGxqdWE5ZUc1b21Qd1JzN21aMkNILXVjY3BKNmlzWTh0Rk03cFRWNXFhZ0ZtMldGSXZVV2RiX3NxMXlTZGZZRkJtbGU0T1Y2VkFKVE9RQUFZQnlaYkJ3SllxcWJpVGRUTWpKaXllTVd0MDZWT2J6OGVNam9CVUZpbVRRbFJF?oc=5) · mainebiz.biz
- 2024-08-20 ['Best Places to Work in Maine': Here's who made the 2024 list - WMTW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaHFkUzNRV2pDVzhOd0dEOUFKelZHaE00NFM2YnEtUVllQmNKbTJia0hUVjRnc29qdnBqN05rYlliVEE2dlBod1FmSGtrckhiM0xDZ05KcVY3Nkgwb29MMV8yTW5sUm9zQ0NhT1lDZDA0eEh5akNjMEkwbzU3VVhsUndlYUJkdUNE?oc=5) · WMTW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17115 (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/27.json (key "17115", 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