Total Assets
$204M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Aroostook County Federal Savings and Loan Association — FDIC Bank Health Profile
Caribou, Maine · Est. 1936. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #29743 New York Region
C
Health grade
Fair
Score: 58/100
Basel III capital ratios — Aroostook County Federal Savings and Loan Association
Total Deposits
$178M
Customer-funded liabilities
Net Loans
$147M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
17.44% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
17.44%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$20M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.65%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
6.79%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
73.22%
Income & Expense Breakdown
$10M
Interest Income
$988K
Non-Interest Income
$5M
Non-Interest Expense
FDIC Deposit Insurance
Aroostook County Federal Savings and Loan Association is FDIC-insured (Certificate #29743). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Aroostook County Federal Savings and Loan Association
Aroostook County Federal Savings and Loan Association is an FDIC-insured institution (Certificate #29743) headquartered in Caribou, Maine, established in 1936. The bank currently holds $204M in total assets and $178M in customer deposits, with $147M deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Aroostook County Federal Savings and Loan Association reports a Tier 1 Capital Ratio of 17.44% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $20M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.65% and a Return on Equity of 6.79%, with an Efficiency Ratio of 73.22% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (58/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Aroostook County Federal Savings and Loan Association is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Maine by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Aroostook County Federal Savings and Loan Association (FDIC Cert #29743) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Maine
All Maine banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bangor Savings Bank Bangor | $7.4B | D | 0.39% |
| The Camden National Bank Camden | $7.0B | B | 1.03% |
| Northeast Bank Portland | $4.9B | B | 2.01% |
| Bar Harbor Bank & Trust Bar Harbor | $4.7B | C | 1.03% |
| First National Bank Damariscotta | $3.1B | B | 1.13% |
| Maine Community Bank Portland | $2.9B | F | 0.70% |
| Machias Savings Bank Machias | $2.7B | C | 0.89% |
| Norway Savings Bank Norway | $2.1B | F | 1.00% |
Frequently Asked Questions
What is Aroostook County Federal Savings and Loan Association's health grade? ▼
Aroostook County Federal Savings and Loan Association receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Aroostook County Federal Savings and Loan Association? ▼
Aroostook County Federal Savings and Loan Association holds $204M in total assets and $178M in deposits. It is headquartered in Caribou, Maine.
Is my money safe at Aroostook County Federal Savings and Loan Association? ▼
Yes. Aroostook County Federal Savings and Loan Association is FDIC-insured (Certificate #29743). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Aroostook County Federal Savings and Loan Association's Tier 1 Capital Ratio? ▼
Aroostook County Federal Savings and Loan Association has a Tier 1 Capital Ratio of 17.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Aroostook County Federal Savings and Loan Association? ▼
Aroostook County Federal Savings and Loan Association has an Efficiency Ratio of 73.22%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.