# SKOWHEGAN SAVINGS BANK
SKOWHEGAN, ME · FDIC certificate 19532 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $855.0M | |
| Deposits | $715.3M | |
| Loans and leases | $616.7M | |
| Total equity | $124.0M | |
| Loans / deposits | 85.36% (p60 of band) | 82.04% |
| Liquid assets / assets | 23.99% (p47 of band) | |
| Uninsured deposits / deposits | 22.48% (p38 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.74% (p32 of band) | |
| FHLB advances / assets | 0.74% | |
| Tier 1 leverage | 15.81% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -33.18% (p11 of band) | -8.10% |
| AOCI / equity | -0.44% (p44 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 3.93% (p51 of band) | 3.91% |
| Efficiency ratio | 73.91% (p81 of band) | |
| Noncurrent loans | 0.42% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 237.18% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 5.84% (p10 of band) | |
| Auto loans | $45.8M (7.42% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $500,000 (0% of equity) (p90 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 121 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 4 | loans exceed deposits, capital falling |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 | capital falling | wholesale funding >15%, loans exceed deposits |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 1 |  | loans exceed deposits |
| 2016-12 | 2 | loans exceed deposits |  |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 1 | capital falling | losing money |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2019-04-29 [Skowhegan Savings Bank - mainebiz.biz](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1RSDlXSHJhc3hnNHRVZXFfdEhWVGtWaV9JYmVOelRSZlZ1TEZKS0dqdjlCR09NOExNeFd0RnNHNlNGQ3J1bXVUX1hIRFc5WnltOUdYeXhCOVFCYVp2Y3NTSkFR?oc=5) · mainebiz.biz
- 2023-06-27 [Fogler awarded Skowhegan Savings Bank scholarship - Piscataquis Observer](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdlVUOGJaNmRNTDZMb3NsNlNJYXY2WExpT19BWEstUDdjM19ScDFDVTdGdkJuYjJ4eXBvdTdieW41QTlIMHMwYnoyd0ZuQThVSVRhbk96UlRNRDFLVGJaZm5fbjVPRHRvZjdONjNpcFF0UmFodzVLYlpkUzVRV1ltdGZES2V1ZEJEbFpRMWFVR0lCVDl4?oc=5) · Piscataquis Observer
- 2023-12-13 [Portland man charged with bank robbery - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNcGM1N2FTdGJGQ0ZldlkySVN6b2FMdWtjekpTeTlzN1NPSkRmMkgtZEQ2TDhLU0w5SFlQdWcxX1RuOEd1UGJhY0ttUWJ1dUctT1FTUXBESmNUUEhVbldqWDlnVmJWU0NyclM0czI5TU5USkEzN0stcDZ0cU9Id2NUZTAxQ0wxczYxMEE?oc=5) · spectrumlocalnews.com
- 2023-04-12 [Skowhegan Savings Bank opens new building in Farmington - Daily Bulldog](https://news.google.com/rss/articles/CBMilAFBVV95cUxOME9MTkg2aXdTWXBLeWhzY25KYW1fTUlBWk1VRWEwQkc1X2k0T2Q3OGxHUTZZODlWSmJyTFkwZmVpR0xYY0VIMDFjbkI0MW1qdkUyMnVGMi12bGNPODB4VlhRRGFCd0R5TmtCSUwxc1hrcDBETDE4cnJKMlBGZjBuQnJLZDQyUHlxTDRTR2FGc01CMF9G?oc=5) · Daily Bulldog
- 2024-12-16 [President and CEO of Skowhegan Savings to retire at the end of 2025 - mainebiz.biz](https://news.google.com/rss/articles/CBMingFBVV95cUxORHhwdzF6WTdjakVCYWZYb2o5Z2xFdW5yLXBSTVUwanJPZzlqcXZvcGFUUlBaSjM2LVhVLUk3bFFHOVZqY1I3MnAwNDB3M1VyaC01ZkpQbmpldU1rU0RqMHNaQm1TOHY5OFVXQnpocENRU0d6MGhtTzhXQXNVS2Zya3F1RDVEcklUV3k4SzhMb2JZWHpWM3V4T3o1UDN0Zw?oc=5) · mainebiz.biz
- 2019-04-19 [Skowhegan Savings banker honored with Mid-Maine Chamber Rising Star Award - Centralmaine.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPU1E3QmlsaGlyTWZoYjIxem9YaTZZTkxrM1dVWmI3RjVJbm1VZWl0Y3hGNUhpbHRKYlVOYTZrQjlUNG5ZM3loWVNscHhLdzQyUE0xeUxxUDdxNTZDUC15WUlJSHVqN210ZjhYWTItSDlpUEVOS1ktaEJfVW5nQjJ6LWZaTDd3RTBiTC16YVc2RzlaRWwzMlFMWDhIWlNnMmhfaU5vYzlZNzd1Q2F3X1VwTHJqTjZQY0xUbU0wOTlEMU51Rzc5blVtYjd3?oc=5) · Centralmaine.com
- 2022-06-08 [92 Moose & Skowhegan Savings Honor Officer York, Maine Hometown Hero - 92 Moose](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBnaUlaMVljMVU1WWJEWFFVd0xNZk5GNzVJQmpoQ0xIaGZfc3BLSlhjLUsxTS16T3NzeHdMM3pQV0JiUFVWOVd3TFdzcDRORmlJTXZyMGk0ZVhCSHVLbnc?oc=5) · 92 Moose
- 2022-05-20 [New Skowhegan Mural Honors Workers Who Took Part in 1907 Strike - Maine AFL-CIO](https://news.google.com/rss/articles/CBMiT0FVX3lxTFBZRFNmT0lwcmZXY3FDczJWYU8tVWhTTXFJbm81M2RXTE41cGFYOHdJVlZ6amFQVlVrdWd1aXdPbTZYM1VzWnlxLVNJenJKREE?oc=5) · Maine AFL-CIO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19532 (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/12.json (key "19532", 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