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Saco & Biddeford Savings Institution
Saco, ME · FDIC Certificate #17743 · Chartered 02/2
Total assets
$1.47B
Total deposits
$1.00B
Total equity
$137.37M
Net loans
$1.19B
Branches (offices)
7
Net income (YTD)
$1.78M
Rank: #755 of 4,213 U.S. banks by assets · #13 of 22 in Maine. Assets changed 2.2% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.24% |
| Return on equity | 2.62% |
| Net interest margin (YTD) | 2.39% |
| Equity to assets | 9.34% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 23.6% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 118.7% |
| Real estate loans (share of loans) | 96.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.16B | 96.9% | |
| Commercial & industrial | $22.99M | 1.9% | |
| Consumer / individual | $9.28M | 0.8% | |
| Construction & development | $68.71M | 5.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.23B | $933.27M | $1.78M | $121.93M |
| Jun 2023 | $1.33B | $950.62M | $630.00K | $121.24M |
| Jun 2024 | $1.40B | $980.64M | -$218.00K | $121.63M |
| Jun 2025 | $1.44B | $1.02B | $480.00K | $126.61M |
| Jun 2026 | $1.47B | $1.00B | $1.78M | $137.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $1.00B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.00B.
Similar-sized banks
The Dart Bank ($1.47B) · Rhinebeck Bank ($1.47B)
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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