# BANGOR SAVINGS BANK
BANGOR, ME · FDIC certificate 18408 · 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 | $7.74B | |
| Deposits | $5.72B | |
| Loans and leases | $5.24B | |
| Total equity | $539.6M | |
| Loans / deposits | 90.91% (p63 of band) | 87.10% |
| Liquid assets / assets | 23.77% (p60 of band) | |
| Uninsured deposits / deposits | 19.67% (p17 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 16.67% (p84 of band) | |
| FHLB advances / assets | 9.86% | |
| Tier 1 leverage | 7.79% (p3 of band) | 10.50% |
| Unrealized securities loss / equity | -31.95% (p8 of band) | -7.75% |
| AOCI / equity | -0.35% (p46 of band) | |
| ROA (annualized) | 0.37% (p6 of band) | 1.26% |
| Net interest margin | 2.98% (p15 of band) | 3.70% |
| Efficiency ratio | 83.03% (p95 of band) | |
| Noncurrent loans | 0.47% (p46 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 167.91% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 30.96% (p31 of band) | |
| Auto loans | $3.5M (0.07% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 1173 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 2 | expense ratio p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | expense ratio p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | expense ratio p90 |
| 2020-06 | 0 |  | wholesale funding >15% |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, expense ratio p90 |
| 2022-06 | 3 | expense ratio p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | wholesale funding >15%, capital falling |  |
| 2023-03 | 5 | NIM <2.5%, uninsured deposits leaving | AOCI drag >20% of equity, capital falling |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | deposits shrinking |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 | losing money | uninsured deposits leaving |
| 2024-06 | 4 |  | deposits shrinking, losing money |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | brokered >10% |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | brokered >10% |
| 2025-09 | 5 | charge-offs p90 |  |
| 2025-12 | 1 |  | expense ratio p90, wholesale funding >15%, NIM <2.5%, charge-offs p90 |
| 2026-03 | 3 | expense ratio p90, deposits shrinking |  |
| 2026-06 | 3 | wholesale funding >15% | deposits shrinking |

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

- 2026-07-16 [Bangor Savings Bank Opens New Harbor Location - The Lincoln County News](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdjRIbTRndU5YZ0hIWU5NOWtmS1pvLU4xOEtXT2tjbk05dDU0Y3R2LVFSeENaOU84eGZSbTd4NGY3cmlJQU5GcUdZLWV0Vl9qT1Yxa1B6R0hsUVViQW5oTWF0QXRWTGZQM3FtVFZWWkFtZUdzcEJ3ckUyMXdGUnhqRUQtUEJnRm8?oc=5) · The Lincoln County News
- 2026-08-03 [Bangor Savings Bank president and CEO to retire after more than a decade at the helm - Piscataquis Observer](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPTzRJSnUzeHpaZE84cEdsVDRyVjZ1ak9rT05sMlBJa1BtUUNRQmt0QVRYakVZVXAtOGphTFQ2QW5vNzJhWFRJdjVUbEw3bGNFVVJkeUZ6a25odEtWWk1uRkRmT2JsZUVfUlVfQkdZT3JFcGdqZERCTi01T21tUE5mRDFuVHJSaDFTdlhWVlVGYTZLT0pKSFRZa0ZzYjFiXzNSNFIwdEo1QlBxendrVUFoWDZVQkRYM0pPQjVfMmxqX2swTUU?oc=5) · Piscataquis Observer
- 2026-07-12 [LifeFlight, two Waldo County nonprofits awarded Bangor Savings Bank Foundation grants - PenBay Pilot](https://news.google.com/rss/articles/CBMixgFBVV95cUxQX1IwNjk0cEJLOWF5dURwaElXbmo2Q3haT18wMjJveDJxZUpzUWlmeEVPSExZXzgteE1ueHpQcHh1YXdnUzd6aVRMNnlWdG8ySDhpVXB0dVJQOTVRN0Q1NzB3cEVhWXJmM0F1N0gzT05GS3Z2cDZLXzNkRFNaRHQ2Wm9HemdkT0xkTEQ1aldQSkVDMDI1YmExQUQ2NTBRVmRzcVdrcm5rUUY4akZrM1oydDdNUDFTZkhvYVMyd1ZUSEx0ZHpTTUE?oc=5) · PenBay Pilot
- 2026-07-22 [Damariscotta Native Joins Bangor Savings - The Lincoln County News](https://news.google.com/rss/articles/CBMigAFBVV95cUxPd1BwWHNqV0VkSUVUZVd1emxmN2paNWtZQk9ZLU1pWmdjSGR4c2h5aEdDRkhnQWpnOHI3cjV0ak9KZVpZZlVlOGRtakZrYV9kV2Y2d0FmVmtkNXR5WERzLVRSbkF0Y0JXVW8wTTRUcnNkcXpibXlPa1JmeDRwMHNLNA?oc=5) · The Lincoln County News
- 2026-04-13 [Bangor Savings Bank appoints Kohler, Stebbins to board of directors - Piscataquis Observer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPQkgtYm5LVlBIa3BrSkl4eTRnMzNLQjNPa2ljeVYxUEoydTAyNnFYVDVCY093R25GbkplRWQ1TmhFZG40S2tpbF9GRjBCQW1sVGQ3UHU1LW5IMUo0bmtOUEJIWWFYN2E5YmZINHloZ3lFZm96Z0VGckxfQUtVdmoyRlRyazNnZVJLNjVyRUJDVGs4MXpjenpxWWE4T3kycTNKLVdGRHJ2SWs3WFE?oc=5) · Piscataquis Observer
- 2021-10-15 [In Partnership with Treasurer, Bangor Savings Bank Launches ABLE - Maine.gov](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWGNsNmdiZng4MG5DTkxmdTBCWTdiQVdwNWd1MWlNSW9rbXlucFlENnlVWFBrV3g0ZEI0Y2JaR0t6RkVYc3UzMXdneTFqN0wtTUlwcUpEcUpzRXkydW9CSUNINGltazFGR1VoaDBTSjg2bGg1ZDlrZGpLMmpmeWh0MkM3QjV3RVJVdVVjMzFIY18xT1N5VEE?oc=5) · Maine.gov
- 2024-11-05 [Bangor Savings Bank expands its corporate services team - mainebiz.biz](https://news.google.com/rss/articles/CBMijgFBVV95cUxQeEdET0dXZnZJeGpNWUJOQnNpTjhxVGlNS0FYTUJ2RmlPeUJVREJvTnk4UF9Vd2QyMktPUEJCUTg2MEo5REdHX1BXZ2RTcHJEVUh5RGFvSm9yVWpkVjg2djRGaEpBcmExYTFuMDJBZUx4NV9WWnR5Z0F0bERlZUthZGtXeHkzUERRVllkcXZn?oc=5) · mainebiz.biz
- 2025-08-02 [Police looking for suspect in Portland bank robbery - WMTW](https://news.google.com/rss/articles/CBMipAFBVV95cUxOWUNaeDc4ZGUtXzg1NFR5aE1hLXRoSnN6MXpZamdXYjgyUDVZV0VkclRZU1BnczVNZzFHWmx3ZnpkV2ZualIyZ2RXUUhMOXljT01KZGhWa1hKRk0zY2x0NTNOSzZQaFFZRzd0Y0Izc2kwczZtUVVfaEJwbGFtczRldEdveFZ4UWplYVN0RG9XeG5uanlDZkJKSnVXTmVKcWdQUnJyUw?oc=5) · WMTW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18408 (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/40.json (key "18408", 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