# NORWAY SAVINGS BANK
NORWAY, ME · FDIC certificate 17658 · 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 | $2.16B | |
| Deposits | $1.57B | |
| Loans and leases | $1.63B | |
| Total equity | $268.7M | |
| Loans / deposits | 103.07% (p91 of band) | 87.10% |
| Liquid assets / assets | 19.66% (p44 of band) | |
| Uninsured deposits / deposits | 20.53% (p19 of band) | 30.76% |
| Brokered deposits | 6.09% | |
| Wholesale funding | 19.36% (p88 of band) | |
| FHLB advances / assets | 12.32% | |
| Tier 1 leverage | 14.07% (p90 of band) | 10.50% |
| Unrealized securities loss / equity | -39.75% (p5 of band) | -7.75% |
| AOCI / equity | -0.87% (p21 of band) | |
| ROA (annualized) | 1.28% (p52 of band) | 1.26% |
| Net interest margin | 3.72% (p51 of band) | 3.70% |
| Efficiency ratio | 67.44% (p73 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p60 of band) | |
| Reserve coverage of noncurrent | 242.61% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 36.23% (p37 of band) | |
| Auto loans | $715,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $8.3M (3% of equity) (p81 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 335 | |

## 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 | 2 |  | reserve under noncurrent |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 2 | capital falling, expense ratio p90 |  |
| 2018-03 | 0 |  | capital falling, expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | loans exceed deposits |
| 2019-12 | 1 | loans exceed deposits |  |
| 2020-03 | 1 | losing money | loans exceed deposits |
| 2020-06 | 1 | capital falling | losing money |
| 2020-09 | 3 | securities losses >30% of equity, expense ratio p90 |  |
| 2020-12 | 1 |  | capital falling, expense ratio p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | losing money |  |
| 2022-09 | 4 | capital falling, AOCI drag >20% of equity |  |
| 2022-12 | 2 |  | losing money, capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | wholesale funding >15% |  |
| 2024-03 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 2 |  | reserve under noncurrent |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | loans exceed deposits |  |

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

- 2026-05-01 [Arcibar appointed Yarmouth branch manager for Norway Savings Bank - Bangor Daily News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNTVFkT1l4YjQ0WDdybzNuZmFGZkEwa2tiekExYVZKLW41bnpfa0FSOU14dzJSTFp1TFNfVEtEUlhiZXc0VUlOQkIwOXBwOFBLSlJvQ1k4a1lKWDNfdGtCNVkwUUptWW82UFFPeENGSFVHWjhZSnIwR0Y3czhTOUNTZnpiU0o1RmlpX1Qtd0VLZTBqUjZFZHhZQzV2bVdEelNlTmxMc1JZMjIwUjJXN2hXMzhlTnBxTFZaRlNR?oc=5) · Bangor Daily News
- 2026-07-02 [Norway Savings Bank contributes $1,000 to Declaration of Independence statewide tour - Piscataquis Observer](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQUXJGb3NxVVNOeTFBUkNzY21jY1B2cjFnMm0zai1FMm9EbnpHbnFiSTZVSUdnQVdpNjVrTzYzRkl5VEtWbXBQVEdDRzRURmFDbVNIY1pHeWlwbFV2QUpJS1pqa1pTNHhsWk42bHVzaDg2cjBGUlJBWVNWNWRUTDVvSVI5bTdtbUhwcndSaDlGWlo1TV9abm9JX2dFV3BkSjA2U1Y1SFlGeWFiakJtVkc0Um53WHpXNjFaSkhIV3EzMGw?oc=5) · Piscataquis Observer
- 2025-11-21 [Data breach may expose person info of Norway Savings Bank customers - WGME](https://news.google.com/rss/articles/CBMiswFBVV95cUxPUHphUjcxaVh5NU5yMGNVWE84ZFBuQmZicjl5ZmlQZkFlM3FuV09HSzRTbjhNS3dSZ19WVm9EdFJkYTdrTEdTVzZxeWxrQlpqX1Zfa3QtdnduRXNZQVI0VTJZd3U4TXM0d1VIWHpCYzYxM2pzWXNfWWJFdC1hZy1zams0S2oxRGE4cllUV0k5c2JnMXExWGlkSUM3RDZPYzI2cHpDWTB6NGpibV92dlBMampzUQ?oc=5) · WGME
- 2026-05-16 [Maine and New Hampshire residents encouraged to enter Norway Savings Bank Scenic Photo Contest - Saco Bay News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPOUswZmpHcDNsakI0Qnc4bFBHRm5yTjY2djFwY3JOU2VCQUJyQklKS0Utd3B3SGlKcXR2V3ZMTGdrOFphYi1Eb3dmb0RHNGhodGhuZy1ZaTNINFB3WXNkYldPQlRWNmtaOFRjQ2hhQ0NYWmVZRUxhSmZVRVI0M3c3VlFaWmc2QkRfSVVaUmV3bldaTEtxdXNOWXREREprak5QZmVocnFn?oc=5) · Saco Bay News
- 2026-08-14 [Norway Savings Bank contributes $10,000 to Portland Community Squash as part of multiyear commitment - Bangor Daily News](https://news.google.com/rss/articles/CBMi6gFBVV95cUxORzhsOFFhSHpoMUt2c1I5aW5INnI1TG9mbFRfUGhEYzVPTlhUSTBlUXMxQUp6aDZLdVB0by1XYVFnSWJwdS1qNUhhZGRQZlg2MnRQbV9NMzZXa0tNeEVZZGtHRXpINDJhMWRYNm1oR2puMXF1cHBuckFnRUx1WUFmRko0NjQyZjR0WUN5Yk43d0Q0eHNNc1h0ZjM1Q1Y5aTVuUlAyYlhPTHdjcEFIZmIzVV9WdmFtSlZQZFgyemg1QlVFYU5RX18tWU5oaU1fWkItYm5YaFdoY3lpS1ZpUkpRdkhRNmNhT051U2c?oc=5) · Bangor Daily News
- 2025-09-04 [Norway Savings promotes from within for chief risk-officer role - mainebiz.biz](https://news.google.com/rss/articles/CBMimAFBVV95cUxPUUVVS1VOaHpQeHJ5bVdYS19FblBVcVJmYmdEMzRPY201MUJrYXkySm9FTU1KRkd2UHp4cjRJQ1JlVFl3X0ZHeXlaaG1lNncxNVBrSGZHTVhYaFhiNmZIcm95WlFGZHNEWHgzZjdEV3pGM3VYbmcxY2E1bFZ1TllaWi10MDVmS0R1bk9UUndjN1RpenJqcDlVUQ?oc=5) · mainebiz.biz
- 2026-07-13 [Norway Savings Bank donates $5,000 to Indigo Arts Alliance - Bangor Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxPV2ZyUjctMDJDWENSdGoxakQ2Yy1ycm5YZWNBcVVPZHlaMHJvUmNHVjFfbl9oMHJPZ2JZdGR4ODdWaDNSeW5ELVlBRTQ2aXgwaFFHMmpscGhEUldoZnBXeTdhcEZxXzgzUklheDZnUGtjVUhMc2Y2NG52ZU1Oei1wZmVFV003Z3lhdjN6bldNSkphSkFBQ0k2YjlzRHhiTF9ObGV2eEFjNVcxLXJlTVVGUTF3?oc=5) · Bangor Daily News
- 2024-02-06 [Norway Savings Bank expands management team with 11 promotions - mainebiz.biz](https://news.google.com/rss/articles/CBMilwFBVV95cUxQV1pIdkpibV93cF9sQXg4dlVLQ2p2NERYMnBUeUFoSW5NSC1PTWtDM0FvZHVqajBQQ1dFMnJMMDNOR21LZHRybXpqdkk2dTZSajFReUJFQ1hJelgxX2NZU0g4M3pDR3hvbDlzZUtFd0huNlBTTGhsaGNSUmJDV2VtaFhtUXEta3lOOWdQRXhHUDNvd3NSa2sw?oc=5) · mainebiz.biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17658 (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/58.json (key "17658", 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