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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 29743 · ME B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2238/4307
  • PHOTO-FINISH Carrollton Federal B… · KY
  • TIER1-WELL 17.4% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-THIN 0.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: Carrollton Federal Bank, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Aroostook County Federal Savings and…

Lowest and highest poles plus nearest scored peers outside Maine, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Aroostook County Fed… · ME ·…78/100Carrollton Federal B… · KY ·…78/100Catalyst Bank · LA · near78/100Home Federal Savings… · NE ·…78/100Paper City Savings B… · WI ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Aroostook County Federal Savings and… · July 2026

Plate reading for Aroostook County Federal Savings and… where failures stay rare

Aroostook County Federal Savings and Loan Association (FDIC Cert #29743) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,238 of 4,307. Tier 1 capital prints at 17.44%, clearing the 10% well-capitalized line. The Texas Ratio is 2.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.65%. Balance-sheet scale is $204M, 2,978th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Carrollton Federal Bank (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Aroostook County Federal Savings and…

Zero FAILURE resolutions in Maine since 2000

Aroostook County Federal Savings and Loan Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FSA LEWISTON, ME 1992 → KINGFIELD SB
  • MAINE SAVINGS BANK PORTLAND, ME 1991 → FLEET BANK OF MAINE
  • MAINE NATIONAL BANK PORTLAND, ME 1991 → NEW MAINE NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maine banks.

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.

0/100100/100National avg77/10078/100
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 Assets

$204M

Total balance-sheet footings

Total Deposits

$178M

Customer-funded liabilities

Net Loans

$147M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.04% 17.44% 18.84%
Basel III capital ratios - Aroostook County Federal Savings and Loan Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 48th percentile higher than 48% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Aroostook County Federal Savings and… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Aroostook County Federal Savings and…

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

What these ratios mean →

Profitability metrics: Aroostook County Federal Savings and…

Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
6.79%
Efficiency Ratio
73.22%

What these mean →

Income & expense at Aroostook County Federal Savings and…

$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.

FDIC Failed Bank List → View Aroostook County Federal Savings and Loan Association on FDIC BankFind →

Top banks in Maine by total assets

Largest banks headquartered in Maine
  1. 1
    Bangor Savings Bank $7.4B

    Bangor, ME · Grade C

  2. 2
    The Camden National Bank $7.0B

    Camden, ME · Grade A

  3. 3
    Northeast Bank $4.9B

    Portland, ME · Grade A

  4. 4
    Bar Harbor Bank & Trust $4.7B

    Bar Harbor, ME · Grade A

  5. 5
    First National Bank $3.1B

    Damariscotta, ME · Grade A

Top 5 banks in Maine ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($204M here), outside Maine so the neighborhood is not state containment.

The Perryton National Bank $204M · TX Fowler State Bank $203M · IN The First National Bank of Dryden $203M · NY Valley Bank of Ronan $203M · MT

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.

Aroostook County Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Maine FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maine

All Maine banks →
BankAssetsGradeROA
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%