Total Assets
$2.9B
Total balance-sheet footings
FDIC Cert #17741 · Portland, Maine · Est. 1867
Maine Community Bank - FDIC Bank Health Profile
A community-scale look at Maine Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.9B
- Total assets
- C
- Health grade · Fair
- 0.70%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Maine Community Bank earns a PlainBankData health grade of C (56/100), with 9.88% Tier 1 capital, 0.70% ROA, 78% efficiency ratio.
- #449
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 9.88%
- Tier 1 ratio - below the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Maine Community Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Maine Community Bank's composite health score
Tier 1 Capital Ratio (9.88%) 18/40
Return on Assets (ROA) (0.70%) 14/25
Texas Ratio (4.82%) 20/20
Efficiency Ratio (77.73%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$2.4B
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Maine Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Maine Community Bank's score of 56/100 falls in the highlighted band.
Maine Community 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). Maine Community Bank's $2.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.88% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.88%
Texas Ratio
4.82%
Equity Capital
$264M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.70%
Return on Equity (ROE)
7.40%
Efficiency Ratio
77.73%
What the numbers say about Maine Community Bank
Maine Community Bank is an FDIC-insured institution (Certificate #17741) headquartered in Portland, Maine, established in 1867. It holds $2.9B in total assets - 449th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $2.4B in net loans. Capital-wise, the Tier 1 ratio sits at 9.88%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 4.82%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Maine Community Bank sits 6th of 22 banks headquartered in Maine by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$145M
Interest Income
$11M
Non-Interest Income
$84M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Maine Community Bank reports a Texas Ratio of 4.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.82% - 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) Maine Community Bank (FDIC Cert #17741) - 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% |
| Machias Savings BankMachias | $2.7B | B | 0.89% |
| Norway Savings BankNorway | $2.1B | B | 1.00% |
| Kennebunk Savings BankKennebunk | $2.0B | B | 0.75% |
Frequently asked questions
What is Maine Community Bank's health grade?▼
Maine Community Bank receives a health grade of C (56/100) 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 Maine Community Bank?▼
Maine Community Bank holds $2.9B in total assets and $2.3B in deposits, ranking 449th of 4,313 FDIC-insured banks by asset size. It is headquartered in Portland, Maine.
Is my money safe at Maine Community Bank?▼
Yes, deposits at Maine Community Bank (Certificate #17741) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Maine Community Bank's Tier 1 Capital Ratio?▼
Maine Community Bank has a Tier 1 Capital Ratio of 9.88%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Maine Community Bank?▼
Maine Community Bank has a Texas Ratio of 4.82%. 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 Maine Community Bank?▼
Maine Community Bank has an Efficiency Ratio of 77.73%. 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 Maine Community Bank's profile as a depositor or analyst.
- Maine Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Maine Community 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.