FDIC Cert #18408 · Bangor, Maine · Est. 1852

Bangor Savings Bank - FDIC Bank Health Profile

A community-scale look at Bangor Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$7.4B
Total assets
C
Health grade · Fair
0.39%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

Bangor Savings Bank earns a PlainBankData health grade of C (59/100), with well-capitalized at 10.62% Tier 1, 0.39% ROA, 73% efficiency ratio.

#215
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
10.62%
Tier 1 ratio - above the 10% well-capitalized line
12th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 18408 · ME C · 59/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (59/100)
  • LOWER-Q #3862/4307
  • PHOTO-FINISH Foundation One Bank · NE
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-THIN 0.39% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: Foundation One Bank, NE (±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 Bangor Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Apple Bank · NY · near59/100Bangor Savings Bank · ME · t…59/100Foundation One Bank · NE · n…59/100Gateway First Bank · OK · ne…59/100The Farmers State Ba… · KS ·…59/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bangor Savings Bank · July 2026

Plate reading for Bangor Savings Bank where failures stay rare

Bangor Savings Bank (FDIC Cert #18408) carries a PlainBankData health grade of C at 59/100, 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 #3,862 of 4,307. Tier 1 capital prints at 10.62%, clearing the 10% well-capitalized line. The Texas Ratio is 3.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.39%. Balance-sheet scale is $7.4B, 215th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Foundation One Bank (NE), 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 Bangor Savings Bank

Zero FAILURE resolutions in Maine since 2000

Bangor Savings Bank 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 Bangor Savings Bank's 59/100 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 avg77/10059/100
Bangor Savings Bank's composite health score
Tier 1 Capital Ratio (10.62%) 28/40
Return on Assets (ROA) (0.39%) 7/25
Texas Ratio (3.35%) 20/20
Efficiency Ratio (72.98%) 4/15

59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$7.4B

Total balance-sheet footings

Total Deposits

$5.7B

Customer-funded liabilities

Net Loans

$5.1B

Outstanding loan book

Net Income

$29M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.22% 10.62% 12.02%
Basel III capital ratios - Bangor Savings Bank

Where Bangor Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bangor Savings Bank's score of 59/100 falls in the highlighted band.

Bangor Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

59 10th percentile higher than 10% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bangor Savings Bank 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

Bangor Savings Bank'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). Bangor Savings Bank's $7.4B falls in the highlighted band.

Safety metrics: Bangor Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

10.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.62%
Texas Ratio
3.35%
Equity Capital
$527M

What these ratios mean →

Profitability metrics: Bangor Savings Bank

Return on Assets (ROA)
12th percentile nationally
0.39%
Return on Equity (ROE)
6.02%
Efficiency Ratio
72.98%

What these mean →

Income & expense at Bangor Savings Bank

$287M
Interest Income
$136M
Non-Interest Income
$223M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bangor Savings Bank reports a Texas Ratio of 3.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bangor Savings Bank 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 ($7.4B here), outside Maine so the neighborhood is not state containment.

Central Pacific Bank $7.4B · HI Ocean Bank $7.4B · FL Ridgewood Savings Bank $7.5B · NY Bankers Trust Company $7.5B · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bangor Savings Bank (FDIC Cert #18408) - 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.

Bangor Savings Bank 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
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%
Kennebunk Savings BankKennebunk $2.0B B 0.75%