Total Assets
$842M
Total balance-sheet footings
FDIC Cert #19532 · Skowhegan, Maine · Est. 1869
Skowhegan Savings Bank - FDIC Bank Health Profile
A community-scale look at Skowhegan Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $842M
- Total assets
- A
- Health grade · Excellent
- 1.07%
- Return on assets
- 22.8%
- Tier 1 capital
Data updated July 2026
The verdict
Skowhegan Savings Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 22.80% Tier 1, profitable at 1.07% ROA, 74% efficiency ratio.
- #1,211
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 22.80%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- 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 Skowhegan Savings Bank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Skowhegan Savings Bank's composite health score
Tier 1 Capital Ratio (22.80%) 40/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (2.14%) 20/20
Efficiency Ratio (73.71%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$709M
Customer-funded liabilities
Net Loans
$607M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Skowhegan Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Skowhegan Savings Bank's score of 84/100 falls in the highlighted band.
Skowhegan 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). Skowhegan Savings Bank's $842M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.80%
Texas Ratio
2.14%
Equity Capital
$118M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
8.14%
Efficiency Ratio
73.71%
What the numbers say about Skowhegan Savings Bank
Skowhegan Savings Bank is an FDIC-insured institution (Certificate #19532) headquartered in Skowhegan, Maine, established in 1869. It holds $842M in total assets - 1,211th of 4,313 FDIC-insured banks, $709M in customer deposits, and $607M in net loans. Its capital position: a Tier 1 ratio of 22.80%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.14% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Skowhegan Savings Bank sits 16th of 22 banks headquartered in Maine by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$39M
Interest Income
$5M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Skowhegan Savings Bank reports a Texas Ratio of 2.14% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.14% - 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) Skowhegan Savings Bank (FDIC Cert #19532) - 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 Skowhegan Savings Bank's health grade?▼
Skowhegan Savings Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Skowhegan Savings Bank?▼
Skowhegan Savings Bank holds $842M in total assets and $709M in deposits, ranking 1,211th of 4,313 FDIC-insured banks by asset size. It is headquartered in Skowhegan, Maine.
Is my money safe at Skowhegan Savings Bank?▼
Yes, deposits at Skowhegan Savings Bank (Certificate #19532) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Skowhegan Savings Bank's Tier 1 Capital Ratio?▼
Skowhegan Savings Bank has a Tier 1 Capital Ratio of 22.80%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Skowhegan Savings Bank?▼
Skowhegan Savings Bank has a Texas Ratio of 2.14%. 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 Skowhegan Savings Bank?▼
Skowhegan Savings Bank has an Efficiency Ratio of 73.71%. 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 Skowhegan Savings Bank's profile as a depositor or analyst.
- Skowhegan Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Skowhegan 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.