Total Assets
$2.0B
Total balance-sheet footings
FDIC Cert #13063 · Kennebunk, Maine · Est. 1871
Kennebunk Savings Bank - FDIC Bank Health Profile
A community-scale look at Kennebunk Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.0B
- Total assets
- B
- Health grade · Good
- 0.75%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
Kennebunk Savings Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.89% Tier 1, 0.75% ROA, 74% efficiency ratio.
- #597
- largest of 4,313 FDIC banks by assets
- 86th
- percentile by asset size, nationally
- 10.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- 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.
How Kennebunk Savings Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Kennebunk Savings Bank's composite health score
Tier 1 Capital Ratio (10.89%) 28/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (1.20%) 20/20
Efficiency Ratio (73.69%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Kennebunk Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kennebunk Savings Bank's score of 66/100 falls in the highlighted band.
Kennebunk 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). Kennebunk Savings Bank's $2.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.89%
Texas Ratio
1.20%
Equity Capital
$180M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
8.79%
Efficiency Ratio
73.69%
What the numbers say about Kennebunk Savings Bank
Kennebunk Savings Bank is an FDIC-insured institution (Certificate #13063) headquartered in Kennebunk, Maine, established in 1871. It holds $2.0B in total assets - 597th of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.6B in net loans. On safety, its Tier 1 capital ratio of 10.89% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.20% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), 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, Kennebunk Savings Bank ranks 9th of 22 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$92M
Interest Income
$13M
Non-Interest Income
$57M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Kennebunk Savings Bank reports a Texas Ratio of 1.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.20% - 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) Kennebunk Savings Bank (FDIC Cert #13063) - 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 Kennebunk Savings Bank's health grade?▼
Kennebunk Savings Bank receives a health grade of B (66/100) 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 Kennebunk Savings Bank?▼
Kennebunk Savings Bank holds $2.0B in total assets and $1.6B in deposits, ranking 597th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kennebunk, Maine.
Is my money safe at Kennebunk Savings Bank?▼
Yes, deposits at Kennebunk Savings Bank (Certificate #13063) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Kennebunk Savings Bank's Tier 1 Capital Ratio?▼
Kennebunk Savings Bank has a Tier 1 Capital Ratio of 10.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Kennebunk Savings Bank?▼
Kennebunk Savings Bank has a Texas Ratio of 1.20%. 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 Kennebunk Savings Bank?▼
Kennebunk Savings Bank has an Efficiency Ratio of 73.69%. 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 Kennebunk Savings Bank's profile as a depositor or analyst.
- Kennebunk Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Kennebunk Savings Bank 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.