FDIC Cert #17743 · Saco, Maine · Est. 1827

Saco & Biddeford Savings Institution - FDIC Bank Health Profile

A community-scale look at Saco & Biddeford Savings Institution's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
C
Health grade · Fair
0.22%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Saco & Biddeford Savings Institution earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.04% Tier 1, 0.22% ROA, 91% efficiency ratio.

#770
largest of 4,313 FDIC banks by assets
82nd
percentile by asset size, nationally
10.04%
Tier 1 ratio - above the 10% well-capitalized line
8th
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 17743 · ME C · 55/100

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

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4010/4307
  • PHOTO-FINISH Rollstone Bank & Trust · MA
  • TIER1-WELL 10.0% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-THIN 0.22% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: Rollstone Bank & Trust, MA (±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 Saco & Biddeford Savings Institution

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

Morgan Stanley Bank,… · UT ·…100/100Piscataqua Savings B… · NH ·…55/100Rollstone Bank & Trust · MA …55/100Saco & Biddeford Sav… · ME ·…55/100Spiro State Bank · OK · near55/100The State Bank of Pe… · IL ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Saco & Biddeford Savings Institution · July 2026

Plate reading for Saco & Biddeford Savings Institution where failures stay rare

Saco & Biddeford Savings Institution (FDIC Cert #17743) carries a PlainBankData health grade of C at 55/100, 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 #4,010 of 4,307. Tier 1 capital prints at 10.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.22%. Balance-sheet scale is $1.4B, 770th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Rollstone Bank & Trust (MA), 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 Saco & Biddeford Savings Institution

Zero FAILURE resolutions in Maine since 2000

Saco & Biddeford Savings Institution 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 Saco & Biddeford Savings Institution's 55/100 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 avg77/10055/100
Saco & Biddeford Savings Institution's composite health score
Tier 1 Capital Ratio (10.04%) 28/40
Return on Assets (ROA) (0.22%) 7/25
Texas Ratio (0.23%) 20/20
Efficiency Ratio (90.90%) 0/15

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

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.0B

Customer-funded liabilities

Net Loans

$1.2B

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.64% 10.04% 11.44%
Basel III capital ratios - Saco & Biddeford Savings Institution

Where Saco & Biddeford Savings Institution ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Saco & Biddeford Savings Institution's score of 55/100 falls in the highlighted band.

Saco & Biddeford Savings Institution: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% 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. Saco & Biddeford Savings Institution 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

Saco & Biddeford Savings Institution'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). Saco & Biddeford Savings Institution's $1.4B falls in the highlighted band.

Safety metrics: Saco & Biddeford Savings Institution

Tier 1 capital ratio
Well-capitalized 10%

10.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.04%
Texas Ratio
0.23%
Equity Capital
$134M

What these ratios mean →

Profitability metrics: Saco & Biddeford Savings Institution

Return on Assets (ROA)
8th percentile nationally
0.22%
Return on Equity (ROE)
2.40%
Efficiency Ratio
90.90%

What these mean →

Income & expense at Saco & Biddeford Savings Institution

$67M
Interest Income
$11M
Non-Interest Income
$37M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Saco & Biddeford Savings Institution reports a Texas Ratio of 0.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Saco & Biddeford Savings Institution 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 ($1.4B here), outside Maine so the neighborhood is not state containment.

United Bank $1.4B · AL Citizens Bank and Trust $1.4B · FL American Heritage Bank $1.4B · OK Ameriserv Financial Bank $1.4B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Saco & Biddeford Savings Institution (FDIC Cert #17743) - 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.

Saco & Biddeford Savings Institution 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%