Total Assets
$204M
Total balance-sheet footings
FDIC Cert #29743 · Caribou, Maine · Est. 1936
Aroostook County Federal Savings and Loan Association - FDIC Bank Health Profile
A community-scale look at Aroostook County Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $204M
- Total assets
- B
- Health grade · Good
- 0.65%
- Return on assets
- 17.4%
- Tier 1 capital
Data updated July 2026
The verdict
Aroostook County Federal Savings and Loan Association earns a PlainBankData health grade of B (78/100), with well-capitalized at 17.44% Tier 1, 0.65% ROA, 73% efficiency ratio.
- #2,978
- largest of 4,313 FDIC banks by assets
- 31st
- percentile by asset size, nationally
- 17.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Aroostook County Federal Savings and Loan Association's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Aroostook County Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (17.44%) 40/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (2.51%) 20/20
Efficiency Ratio (73.22%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$178M
Customer-funded liabilities
Net Loans
$147M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Aroostook County Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Aroostook County Federal Savings and Loan Association's score of 78/100 falls in the highlighted band.
Aroostook County Federal Savings and Loan Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Aroostook County Federal Savings and Loan Association's $204M falls in the highlighted band.
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
17.44%
Texas Ratio
2.51%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
6.79%
Efficiency Ratio
73.22%
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. It holds $204M in total assets - 2,978th of 4,313 FDIC-insured banks, $178M in customer deposits, and $147M in net loans. On safety, its Tier 1 capital ratio of 17.44% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.51% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Maine, Aroostook County Federal Savings and Loan Association ranks 18th of 22 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$10M
Interest Income
$988K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Aroostook County Federal Savings and Loan Association reports a Texas Ratio of 2.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maine by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Aroostook County Federal Savings and Loan Association (FDIC Cert #29743) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 BankBangor | $7.4B | C | 0.39% |
| The Camden National BankCamden | $7.0B | A | 1.03% |
| Northeast BankPortland | $4.9B | A | 2.01% |
| Bar Harbor Bank & TrustBar Harbor | $4.7B | A | 1.03% |
| First National BankDamariscotta | $3.1B | A | 1.13% |
| Maine Community BankPortland | $2.9B | C | 0.70% |
| Machias Savings BankMachias | $2.7B | B | 0.89% |
| Norway Savings BankNorway | $2.1B | B | 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 B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
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, ranking 2,978th of 4,313 FDIC-insured banks by asset size. It is headquartered in Caribou, Maine.
Is my money safe at Aroostook County Federal Savings and Loan Association?▼
Yes, deposits at Aroostook County Federal Savings and Loan Association (Certificate #29743) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for Aroostook County Federal Savings and Loan Association?▼
Aroostook County Federal Savings and Loan Association has a Texas Ratio of 2.51%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read Aroostook County Federal Savings and Loan Association's profile as a depositor or analyst.
- Aroostook County Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Aroostook County Federal Savings and Loan Association against other Maine banks before moving funds. Maine banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.