# MAINE COMMUNITY BANK
PORTLAND, ME · FDIC certificate 17741 · 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 | $2.98B | |
| Deposits | $2.30B | |
| Loans and leases | $2.47B | |
| Total equity | $280.5M | |
| Loans / deposits | 106.87% (p94 of band) | 87.10% |
| Liquid assets / assets | 11.08% (p8 of band) | |
| Uninsured deposits / deposits | 15.63% (p10 of band) | 30.76% |
| Brokered deposits | 6.48% | |
| Wholesale funding | 18.85% (p87 of band) | |
| FHLB advances / assets | 8.06% | |
| Tier 1 leverage | 10.11% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -19.48% (p21 of band) | -7.75% |
| AOCI / equity | -0.14% (p61 of band) | |
| ROA (annualized) | 1.17% (p43 of band) | 1.26% |
| Net interest margin | 3.63% (p45 of band) | 3.70% |
| Efficiency ratio | 62.61% (p62 of band) | |
| Noncurrent loans | 0.46% (p46 of band) | 0.51% |
| Net charge-offs (annualized) | 0.15% (p81 of band) | |
| Reserve coverage of noncurrent | 137.11% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 30.42% (p31 of band) | |
| Auto loans | $2.7M (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $5.2M (2% of equity) (p77 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 366 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 4 | capital falling |  |
| 2012-03 | 6 | losing money, charge-offs p90 |  |
| 2012-06 | 4 |  | losing money, charge-offs p90 |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 4 | expense ratio p90 | capital falling |
| 2014-06 | 3 |  | expense ratio p90 |
| 2014-09 | 4 | expense ratio p90 |  |
| 2014-12 | 4 | capital falling | expense ratio p90 |
| 2015-03 | 4 | expense ratio p90 | capital falling |
| 2015-06 | 3 |  | expense ratio p90 |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 4 | liquid assets <10% | capital falling |
| 2017-03 | 3 |  | reserve under noncurrent |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | liquid assets <10% |
| 2020-06 | 2 | liquid assets <10% | wholesale funding >15% |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | loans exceed deposits |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 | capital falling | deposits shrinking |
| 2024-03 | 3 | wholesale funding >15% |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 1 | expense ratio p90 | loans exceed deposits, wholesale funding >15% |
| 2025-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2025-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2025-12 | 2 | loans exceed deposits, wholesale funding >15% | expense ratio p90 |
| 2026-03 | 3 | uninsured deposits leaving |  |
| 2026-06 | 2 |  | uninsured deposits leaving |

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

- 2026-07-07 [Maine Community Bank launches division to help businesses navigate complex tech - Mainebiz](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVE9VZ3lzRTI2RWI2ZE9ncUxjdXJ4RTNoZ1I2eVNsRXRMall1dG1jQWppSHdsU1p0SktWcnNnbVhWaGgzN1ByeFVyQ3RZc1JZZ2pqOFhYVS1BSFNmQU5XXy0yeWxDY0tpeDJuQ1hCcmVGWHlYZE03bmx6dlpVQ2pSOTNIQ2R2d2E5MzNfTURrZV9EcnJtaDdoa2dIYUtUQURhMXNlZjFySDd4ZnM0X2c?oc=5) · Mainebiz
- 2026-05-13 [Maine Community Bank insider to lead commercial banking division - Mainebiz](https://news.google.com/rss/articles/CBMimgFBVV95cUxNY24xSU1qZXlBTDRoMU50U3l4YXF6M3hPMlB1QTBwbDNHZEY5enY0bHNuWkFDSGtvMFZRckJQY25zV0RULTFoVG1nTExnNU91V3plQmRaMTcwUkFoS1NMWkw3VVd2SVd5Smp2MVZ4LXZyd084XzVTal8yQ2hRRU1VV2R1dzdnV2ttaUFjWXNsbGxTd09VLTdBa253?oc=5) · Mainebiz
- 2026-06-24 [Maine Community Bank invests in tech strategy with C-Suite hire - Mainebiz](https://news.google.com/rss/articles/CBMimAFBVV95cUxORWlCdi1uN2U0azBZa2ktS20xTzYzXy0yQWQwdWVMMmk1emFDcjdQdk9YSUcyeEpQMGFmdTg1MnpQeEpDaGlhYXV1a0N4ZHptUHdTdVhyODg5U1l6X2hvZTMyVl9uTjVSVXNCbzRoamhnajF2RlpJc1NWVzEzLTFJSjJrRW9sN09aek0zXzRGMko1RzIwZDJnUw?oc=5) · Mainebiz
- 2026-07-15 [Three businesses slated for new Scarborough downtown - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQVlU5ZlFHWm5OVTJjd1JYTWlwTWRQNjBQRXdCdGZzaUtHZk5TeGtNX3BFU0N4NGU4eGY2bzVUSFE5MVRvcm9Fdm5HaW1vMV9EQVIyNk4tOEJwYUtEVmFQOUhibDlwYWxiWW5ucDJzN282ejNBVDZ3em5KWjJfcGkzQy1YSFI0Y0l1eVdmZHZaRHNyZEFyMlRMYWtrWVdlNjh3d1FSaVl2bEN0bGx2cWZCVUJSN1phRmxGN09FdllBd2k4LTZNNmJJRmtKNWRnWlU?oc=5) · spectrumlocalnews.com
- 2025-01-02 [Gorham Savings completes merger with Maine Community Bank - Mainebiz](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbjZqU3BvamVMQXE4Y1BmZFNQQkxlRmRXTjhPVVNmVGREamMzY2stX1NuRFJmM2ZIRm5uRno5Rm9FRVc0cEs1bkhfYVR0TkdIUVozb1NSRWkzekFaeGFiZlRTS0pNaEtLU0tRaEx4bWpEMnd2UU12ZnZVUDFaT2MyZXN6TGhCQzdPdk8wODFGN3M?oc=5) · Mainebiz
- 2023-12-07 [Gorham Saving Bank, Maine Community Bank agree to merger - Mainebiz](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZkt4M3huRFg3YWhaelpaQ0NqR09FdnB3Q1pMSGdXWXViMG5CcVJIaHlYWU9xMXh3TmNZaGN1RkJUd2IyRzR3cnVRYVlMRHdOT3dubGdadVVteGM2Ti1ULVJiU2tydHZiLW1nNUQyeW1sMUd4MVZnUkRUSU9JdnNQQWdHRU5ZZ2l5YzlSS1hB?oc=5) · Mainebiz
- 2024-02-08 [Maine Community Bank names assistant vice president of residential mortgage loans - Mainebiz](https://news.google.com/rss/articles/CBMisAFBVV95cUxOWXZ3OUM4YURON2VLa0ZuMVo3YzZsajJMX2J5S1JhcXZ1TS1fYXdMMm5TNFFCUHdFZDBvWXd6WThoX1J3TTFBR2gtT0xtckd4a0RxZ3IyOWRmOFVMUDg4NWpxU2tHSDZ0NGd4NG53bUN2V3JmbHNOa0JJZFNSbkZOZ2FuT1BqM1RKa0NJNmhvMEtYRXU4N1JqZzRLYzRkZm1xRFhqaWtEZnJiM1JhQTVORQ?oc=5) · Mainebiz
- 2023-05-03 [Maine Community Bank outlines key promotions and a new VP of commercial banking - Mainebiz](https://news.google.com/rss/articles/CBMirgFBVV95cUxOcnZibUpwZ25iZkNqTk91ZGpIZGpfY0h1UkFjeERRSWJwcXdyUGFSMkpJNVBqSFktOFlFd1pycE1xQ2xXQzZFY1oxVTZSd0c3R1p1UlNrc1g3YmpKZlJkc3FGMGpDLUpRZ0VjVnlRLXhUOHplcVhSSXRsbFFLRmwyX05MZjVKcS1FaU04cUV0eWFDbWJ0RHNZMUtQLUFhbm9CT2lHY19zUTNXU0dzRGc?oc=5) · Mainebiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17741 (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/13.json (key "17741", 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