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Kennebec Savings Bank
Augusta, ME · FDIC Certificate #17897 · Chartered 03/1
Total assets
$1.87B
Total deposits
$1.41B
Total equity
$251.19M
Net loans
$1.56B
Branches (offices)
8
Net income (YTD)
$12.56M
Rank: #632 of 4,213 U.S. banks by assets · #10 of 22 in Maine. Assets changed 4.5% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 10.30% |
| Net interest margin (YTD) | 3.05% |
| Equity to assets | 13.42% |
| Tier 1 leverage ratio | 13.96% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 110.8% |
| Real estate loans (share of loans) | 93.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.46B | 93.5% | |
| Commercial & industrial | $93.33M | 6.0% | |
| Consumer / individual | $3.39M | 0.2% | |
| Construction & development | $23.25M | 1.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.53B | $1.25B | -$4.49M | $191.37M |
| Jun 2023 | $1.67B | $1.32B | $5.92M | $202.49M |
| Jun 2024 | $1.73B | $1.31B | $6.19M | $211.95M |
| Jun 2025 | $1.79B | $1.35B | $8.63M | $226.00M |
| Jun 2026 | $1.87B | $1.41B | $12.56M | $251.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $1.41B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.41B.
Similar-sized banks
Newtown Savings Bank ($1.87B) · American Bank Of Commerce ($1.86B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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