Total Assets
$1.4B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.0B
Customer-funded liabilities
Net Loans
$1.2B
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.22%
Return on Equity (ROE)
2.40%
Efficiency Ratio
90.90%
What the numbers say about Saco & Biddeford Savings Institution
Saco & Biddeford Savings Institution is an FDIC-insured institution (Certificate #17743) headquartered in Saco, Maine, established in 1827. It holds $1.4B in total assets - 770th of 4,313 FDIC-insured banks, $1.0B in customer deposits, and $1.2B in net loans. Its capital position: a Tier 1 ratio of 10.04%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.23% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Saco & Biddeford Savings Institution sits 13th of 22 banks headquartered in Maine by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Maine by total assets
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.
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 Saco & Biddeford Savings Institution's health grade?▼
Saco & Biddeford Savings Institution receives a health grade of C (55/100) 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 Saco & Biddeford Savings Institution?▼
Saco & Biddeford Savings Institution holds $1.4B in total assets and $1.0B in deposits, ranking 770th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saco, Maine.
Is my money safe at Saco & Biddeford Savings Institution?▼
Yes, deposits at Saco & Biddeford Savings Institution (Certificate #17743) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Saco & Biddeford Savings Institution's Tier 1 Capital Ratio?▼
Saco & Biddeford Savings Institution has a Tier 1 Capital Ratio of 10.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Saco & Biddeford Savings Institution?▼
Saco & Biddeford Savings Institution has a Texas Ratio of 0.23%. 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 Saco & Biddeford Savings Institution?▼
Saco & Biddeford Savings Institution has an Efficiency Ratio of 90.90%. 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 Saco & Biddeford Savings Institution's profile as a depositor or analyst.
- Saco & Biddeford Savings Institution's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Saco & Biddeford Savings Institution 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.