# BANK OF MAINE
PORTLAND, ME · FDIC certificate 19686 · asset band $300M-1B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $830.4M | |
| Deposits | $695.9M | |
| Loans and leases | $647.4M | |
| Total equity | $99.8M | |
| Loans / deposits | 92.09% (p73 of band) | 82.48% |
| Liquid assets / assets | 16.39% (p22 of band) | |
| Uninsured deposits / deposits | 13.39% (p24 of band) | 19.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.77% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.98% (p47 of band) | 10.12% |
| Unrealized securities loss / equity | 1.47% (p55 of band) | 1.17% |
| AOCI / equity | 0.01% (p46 of band) | |
| ROA (annualized) | 0.49% (p15 of band) | 0.92% |
| Net interest margin | 3.60% (p51 of band) | 3.59% |
| Efficiency ratio | 84.24% (p88 of band) | |
| Noncurrent loans | 1.75% (p82 of band) | 0.75% |
| Net charge-offs (annualized) | 0.46% (p97 of band) | |
| Reserve coverage of noncurrent | 57.59% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 12.68% (p21 of band) | |
| Auto loans | $115,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 219 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-03 | 4 | assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 3 | charge-offs p90 | capital falling, assets shrinking |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling, losing money | charge-offs p90 |
| 2013-03 | 4 | charge-offs p90 | losing money |
| 2013-06 | 2 |  | capital falling, charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 |  | assets shrinking |
| 2014-06 | 3 | capital falling | deposits shrinking |
| 2014-09 | 2 | deposits shrinking | expense ratio p90, capital falling |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | capital falling |

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

- 2023-09-22 [Good Shepherd Food Bank of Maine - mainebiz.biz](https://news.google.com/rss/articles/CBMickFVX3lxTFAtd2Y5T3haN2dMYWFiQ1F6d1VDRHA3clNQMnNteEc1UExwZWZ0dEJ0VGdma3dXQmNEZ1VoRjdPNUhac3FBSXFJRjdNejY4RUtXT1dzaXRpSjdRaXlvV3VEbm0xVzFjVGZocDVzMFRJT25HQQ?oc=5) · mainebiz.biz
- 2011-03-02 [Soderberg joins Savings Bank of Maine board - thecounty.me](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQ0c0d2lxempCRG8tOGRLSjMzY2xkcGZ2dUNTZ01FNzhpS29OUDZVd0d0UGhGN28yWmhqakZuVzd4cjlpZ3VIOGdNU1F1OUlmdHVPLTNiNEszbklEZjF0dGg2UXJVa0tFQ0hVdHF0cDI3SXhlM2tXeEo4R0g0dHA1bEp0SWdfUmhmalZQMVdhbGhVYTRf?oc=5) · thecounty.me
- 2024-04-05 [5 Maine Nonprofits Giving Back in Big Ways - Down East Magazine](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1pMzRmMmp4ZnFzeS1xNWlyT3pxQU9qd2pwazktSl9Ec3I3MEkwNm9ELV8wbkFDVHFVeFhSa1JFbklEX3I1eWtYYmN4a0lHMEdMUFczTlI5RGMza2xzVWlaSg?oc=5) · Down East Magazine
- 2023-08-25 [Hannaford executive hired to lead Good Shepherd Food Bank - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNGhqU01LakFZdVUxcGVJS3JLSFB2SXluUWtzdzdTZGw5LXRlbkdSMG95VWpvVm5naV96OVgyYWtJWW5MdFFtUE9GQmV4cXI3T0UyUFF0SUxmLWs3N19oNWU5QV9tTjdGTDdZbEZ4aTdvQWtqSkxnZDdLWk4xSmh6eDNTeGpGbjM1ZTh2TlFlUQ?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2024-09-19 [Good Shepherd Food Bank of Maine - mainebiz.biz](https://news.google.com/rss/articles/CBMickFVX3lxTE01VHA2UHFBNnRVQXVCOFdfR3FQSDdZa1VjckREQU9WVG8wOXRBM0pIUnFlVnpSNmlfcndjd3VzQmw3RHVhalBUaF9FUHRQbzRYbl9OVjdoeHlBbUVSbVhGVTVGelB1M3YxNEEtR2l4UTUwZw?oc=5) · mainebiz.biz
- 2021-10-11 [Ronald Faloon Obituary (2015) - Fairfield, ME - Central Maine - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPaDY1d1A3TW9FOGFyMmlSeno1LXk2d3g2cDdjNkZHUUtOOVYtUXhteldkZXU2V2hhUlJrRFM3WlQzLVZEaXRSTzdFVTNVVEZYUXJyVlVlWGhTdE1FZlpfeTVOZlVnNGtmQnYwd1pQazFEWDBETTlPckprSGhLOVZ1ZjZyRjRILTNnaWM0dW5kOVZXdzAwM1FvcnhUQUdBWTBnZFE?oc=5) · legacy.com
- 2025-10-30 [Halt in SNAP benefits looming due to government shutdown. What to know in ME - Seacoastonline.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPMk00WTdwZk5LUzJ1RmN2Y2ltRUFKbGJTdGtwV2R4cFFDdF9LU1hYTmNGNGF4X2t5M0ZhUWRlWmNERzNoY1ZjbmdrNzFBeG92T01aU2haQmU1NVlVQndnNzV3WTVHXzRPNEp4N2hNMVp3dlhkN1BtTG1zWS05ZHJydVZWQ1JMWlV0SkNUcmc3alJLU0hacUxHVHV6RFhnYVdzSTgxV09USkgyN2E3OHJqYUc2RlgwUzRMSWFsLW5td3EzVlh4QklsTHh3?oc=5) · Seacoastonline.com
- 2016-12-30 [Sherman Shapiro Obituary - Auburn, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPQ0FDRC1TMk5LM1JZV3hfalg0ekVkcHVVMFR5U2FyMC1udDRrcHgyZDN5dWJ6YUhiSkJFVmM3TUcwczhqclJfVTFnVlI3d3ZiMFgtYURseElGT2NkZ3RJU3Y0T2Uxakd0dnJBOG0wUmVUb3BNZUZmR1dNN1U3R3BTUXRn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19686 (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/38.json (key "19686", 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