# ANDROSCOGGIN SAVINGS BANK
LEWISTON, ME · FDIC certificate 17751 · 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 | $1.76B | |
| Deposits | $1.43B | |
| Loans and leases | $1.48B | |
| Total equity | $190.2M | |
| Loans / deposits | 102.22% (p90 of band) | 87.10% |
| Liquid assets / assets | 11.95% (p10 of band) | |
| Uninsured deposits / deposits | 14.09% (p8 of band) | 30.76% |
| Brokered deposits | 22.40% | |
| Wholesale funding | 28.86% (p96 of band) | |
| FHLB advances / assets | 6.24% | |
| Tier 1 leverage | 10.76% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -9.38% (p42 of band) | -7.75% |
| AOCI / equity | -0.07% (p69 of band) | |
| ROA (annualized) | 0.67% (p14 of band) | 1.26% |
| Net interest margin | 3.06% (p18 of band) | 3.70% |
| Efficiency ratio | 73.92% (p86 of band) | |
| Noncurrent loans | 0.48% (p48 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 206.91% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 14.09% (p13 of band) | |
| Auto loans | $32,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $8.8M (5% of equity) (p83 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 196 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | liquid assets <10%, uninsured deposits leaving |  |
| 2012-06 | 5 |  | liquid assets <10% |
| 2012-09 | 4 |  | uninsured deposits leaving |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | uninsured deposits leaving |  |
| 2014-09 | 3 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 4 | reserve under noncurrent |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 3 |  | reserve under noncurrent, capital falling |
| 2015-12 | 4 | reserve under noncurrent |  |
| 2016-03 | 3 | charge-offs p90 | loans exceed deposits, reserve under noncurrent |
| 2016-06 | 3 | loans exceed deposits | charge-offs p90 |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | reserve under noncurrent |  |
| 2017-03 | 5 | liquid assets <10% |  |
| 2017-06 | 4 |  | reserve under noncurrent |
| 2017-09 | 5 | capital falling |  |
| 2017-12 | 4 |  | liquid assets <10% |
| 2018-03 | 4 | charge-offs p90 | capital falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 6 | capital falling, expense ratio p90 |  |
| 2018-12 | 4 |  | charge-offs p90, expense ratio p90 |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | loans exceed deposits |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | expense ratio p90 | capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | expense ratio p90 |
| 2022-06 | 3 | expense ratio p90 |  |
| 2022-09 | 3 | capital falling | expense ratio p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | loans exceed deposits, charge-offs p90, uninsured deposits leaving | capital falling |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | loans exceed deposits | charge-offs p90 |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 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)

- 2025-11-08 [Quick thinking saves elderly couple in Gray from nearly $20,000 computer scam loss - WGME](https://news.google.com/rss/articles/CBMi2gJBVV95cUxQYVdLY2d0WUJlWEVUVmhONlZxdWRnUHVvb0xXYnNiM1I1c2NPcGRfU204SlZkejhuQUVGSUtQVTBTcVRtN0JjdjNOMG1xVjdrOEIxYzBVMGozXzY5bVZGMXRqWUdrSjBpZzBZbVNsV2FmUVd0dlo2NzBIeXpma0R5OTBuMWdiY1NUOU1oZ3FLWFg4OEZsaXVZZ1BRQVVjVEtncjBhSVpNdGRDUFF0bzlzRm9YNVhDNXNrZ2FwOGZvSEFOU3BCX0FQQXpQRVg0YnJleEdCVkxXb1QtemxkbTdsYldleVVHVVZmQ1JNSURQYXMxdS02Rm0wV0JjeV9MX0Zjc0RhdU5YTFFjVWc0Tnc5ek9fODRUUGNWSXVQZHlVQTdDc1pNM24zdG0zeHN2eEI2MGlBX0lVUTNWaWxIeVB1V0E0VUEybTNEVk5LZTV4V3BzdGk2c0RRQ093?oc=5) · WGME
- 2024-05-01 [Federal Home Loan Bank of Boston will host Portland forum on affordable housing - mainebiz.biz](https://news.google.com/rss/articles/CBMirgFBVV95cUxORUFYTXBzbkdnWU9zUnFQSTFPTk1fVU5JUXBJdjdzcXJubVhZTGlwQ3p3UVBHVTdUOWh3b1RSQnNKcXpLWXVuZGxHTFpMUENEbHdHOGs3c2RjdjBPa2RTTG9IcklEcFNIcG5SVlVJNlR0QlRUbS14Z3JxVXpTT0pyUUJFQmZoLTVRa0x2MVdKWGNuWXY4VmVzVk5sdXpYUXo3M1d2MDVvSVlSYlE5eVE?oc=5) · mainebiz.biz
- 2025-09-22 [Livermore Falls to host 27th annual Apple Pumpkin Festival Sept. 27 - Sun Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNUnVESVNDcDFDZmdaeVRrWmFVSkhVRUJ0ZVVxZWJNaEdNaVRBZkZVdlppaFg1Qy0wMExBRVFEWXppTjF4cVM1WlhyQ2NVZ3lwX25DaUNYSzRLY0EzazdBTW9vemo4cHZPUkRhdmpMa0dVNmRiTnhyZzFhbWtqRmpIRV90LUYtdW82SExhZ0xKa1BLeDlKUl9FZVVhWTFyTWlsYU5RTE5veTQ?oc=5) · Sun Journal
- 2000-06-30 [Norman E. Ross, Treasurer Emeritus, Dies at 101 - Bates College](https://news.google.com/rss/articles/CBMiZkFVX3lxTFA4UDZLb1d1dmktRl84TzZpcHRrWVVLTHlHU1hxYm9vdERLTXkyTG9PeERYMVFVRUw3RlRUTllRSHRVVW1laFBBS1M1dDZGb0FvZ0h0dHBsM19jT0JVV211cllRaTNJQQ?oc=5) · Bates College
- 2025-09-30 [Irene Bernard Pomerleau Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMikAFBVV95cUxQT2Q0dFBtVUF0bkFWMzVOa00wU0IxYTNfYVl3dVB5VGJudl9OY2hnX21EYm56WnNxTHAwUnVma1VHcXFZd3hfajhfR0VaQy1ITXFadk9iQU9uckVEVndhWEgxXzFZMzJfbHFkTnNKZk13a1hDOXRsUHZtZjVqUW14aDBHSEdYT3BWc3BqV2o1Wmw?oc=5) · Dignity Memorial
- 2025-11-12 [Law enforcement helps Maine couple get most of their money back after online scam - WGME](https://news.google.com/rss/articles/CBMihwJBVV95cUxPbzJ5eGFyYm1sUWI4SWZzakUzb3ViMzhuQlllZnpvWHg0WjljRjJqWi0yNkNsVktPNi1GMmRBOHFYR1BZUXUxSjQ1Q05fV3F0ZFZCWXpIWVNhZFFWbFQwUHlFdlQ3SnMwQ2U1eFdSM2p2a3N2eHpYV3lTQTExeG4tbmsyR1gycDNnSzcwbERVeDJrTU1hNVhiTlFKSHBpOHd3MHBYSVgwbzlfbW5JMS1OYlF6N2dXSU9sUTVUTktpTWQ1dDV5bVNpMmp4V281MUtLLWdFR1BFbVIyN3VoMjI5ODFTdGhaOVkxX0JlZnJlU20zV3oyai1LV2dCRy0yaEZFMmF3U2E1VQ?oc=5) · WGME
- 2024-12-19 [$23M earmarked for affordable housing rentals in Maine - mainebiz.biz](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQaU45VzFFV3pXRkF3Wnk5Q0N3MDdUX2NYQ25aN0ticUVJUFkxckR2WmNmWHRNbHJRdmtuVzM2Vl92RmJmUXM3MHByZG50V0ZVSndGT182dHV0NVgyVmtWSEVZWW1scWZBMUsxcTIxclpScmJ2allUeDNIUjZJaUhmbXZQMmpfdnE0RkdZ?oc=5) · mainebiz.biz
- 2014-04-10 [Claude Beaucage Obituary - Lewiston, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTEJodkRtYnFtZXlHNmJUeUJub0cxa09KT2ZqU3g1LXdMV0dCUHNzRnVSMExmU2hyZjY0enE0RjZPLXNkMVZqbTBiWjNvQ29hSGlodkRZR09RWWZRVS1vSWRkUnFtbWd3V2hCdFh5ZXllcDVlVDd2djhnZEkyNTVDTzBVT0hyUQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17751 (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/23.json (key "17751", 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