Total Assets
$102M
Total balance-sheet footings
FDIC Cert #28288 · Auburn, Maine · Est. 1887
Auburn Savings Bank, FSB - FDIC Bank Health Profile
A community-scale look at Auburn Savings Bank, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $102M
- Total assets
- C
- Health grade · Fair
- 0.35%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Auburn Savings Bank, FSB earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.43% Tier 1, 0.35% ROA, 85% efficiency ratio.
- #3,724
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 12.43%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- 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 Auburn Savings Bank, FSB's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Auburn Savings Bank, FSB's composite health score
Tier 1 Capital Ratio (12.43%) 35/40
Return on Assets (ROA) (0.35%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (85.21%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$76M
Customer-funded liabilities
Net Loans
$83M
Outstanding loan book
Net Income
$356K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Auburn Savings Bank, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Auburn Savings Bank, FSB's score of 62/100 falls in the highlighted band.
Auburn Savings Bank, FSB'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). Auburn Savings Bank, FSB's $102M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.43%
Texas Ratio
0.00%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
11th percentile nationally
0.35%
Return on Equity (ROE)
5.62%
Efficiency Ratio
85.21%
What the numbers say about Auburn Savings Bank, FSB
Auburn Savings Bank, FSB is an FDIC-insured institution (Certificate #28288) headquartered in Auburn, Maine, established in 1887. It holds $102M in total assets - 3,724th of 4,313 FDIC-insured banks, $76M in customer deposits, and $83M in net loans. Capital-wise, the Tier 1 ratio sits at 12.43%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Auburn Savings Bank, FSB is a community-scale institution -- 20th of 22 FDIC-insured banks headquartered in Maine by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$385K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Auburn Savings Bank, FSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) Auburn Savings Bank, FSB (FDIC Cert #28288) - 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 Auburn Savings Bank, FSB's health grade?▼
Auburn Savings Bank, FSB receives a health grade of C (62/100) 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 Auburn Savings Bank, FSB?▼
Auburn Savings Bank, FSB holds $102M in total assets and $76M in deposits, ranking 3,724th of 4,313 FDIC-insured banks by asset size. It is headquartered in Auburn, Maine.
Is my money safe at Auburn Savings Bank, FSB?▼
Yes, deposits at Auburn Savings Bank, FSB (Certificate #28288) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Auburn Savings Bank, FSB's Tier 1 Capital Ratio?▼
Auburn Savings Bank, FSB has a Tier 1 Capital Ratio of 12.43%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Auburn Savings Bank, FSB?▼
Auburn Savings Bank, FSB has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Auburn Savings Bank, FSB?▼
Auburn Savings Bank, FSB has an Efficiency Ratio of 85.21%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Auburn Savings Bank, FSB's profile as a depositor or analyst.
- Auburn Savings Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Auburn Savings Bank, FSB 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.